$68,440
31-day total
Compliance Audits
SAR · CTR · CIP · MSB · fintech
Build a BSA program FinCEN accepts. MSB. Broker-dealer. Fintech.
The Bank Secrecy Act (BSA) requires financial institutions and many fintech businesses to maintain anti-money-laundering (AML) programs: customer identification (KYC/CIP), suspicious activity reporting (SAR), and currency transaction reporting (CTR). FinCEN administers enforcement. Money service businesses (MSBs), broker-dealers, crypto exchanges, and many fintech startups are covered. We build the program and file the required reports.
How it works
How we handle BSA Compliance, end-to-end.
The Bank Secrecy Act (BSA) requires financial institutions and many fintech businesses to maintain anti-money-laundering (AML) programs: customer identification (KYC/CIP), suspicious activity reporting (SAR), and currency transaction reporting (CTR).
1
Risk assessment
We assess your business model, customer base, geographies, and products for BSA/AML risk. Higher-risk businesses need more controls.
2
Program build
Five pillars: written policies, BSA compliance officer designation, training program, independent testing, KYC/CIP procedures. Plus FinCEN-mandated tools (SAR/CTR systems, sanctions screening).
3
Filing automation
SAR (Suspicious Activity Report) and CTR (Currency Transaction Report) filing through FinCEN BSA E-Filing system. SARs due within 30 days of detection; CTRs within 15 days of transaction.
4
Ongoing testing
Independent testing required annually. Compliance officer training. Periodic policy refresh as FinCEN guidance evolves.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent bsa compliance pricing.
Government fees pass through at cost. No upsells.
Initial build
$4999
Five-pillar program from scratch.
Risk assessment, written policies, training program, KYC/CIP procedures. You designate compliance officer; we train them.
Get startedInitial + ongoing
$9999
Initial build + first year operations.
Initial program build plus SAR/CTR filing support, monthly compliance check-ins, annual independent testing coordination.
Get startedContinuous program
$29999
Annual subscription.
Full ongoing BSA program management for fintech, MSB, broker-dealer, crypto exchange. Includes dedicated compliance officer, SAR/CTR filing, FinCEN exam support, regulatory updates.
Get started FAQ
About the BSA Compliance Service.
Who needs BSA compliance?
Banks, credit unions, broker-dealers, MSBs (money service businesses including check cashers, money transmitters), some fintech (BaaS, lending, crypto exchanges), and certain other categories. If unsure, you likely do.
What is the five-pillar program?
FinCEN's minimum AML/BSA program: (1) written policies and procedures, (2) BSA compliance officer designation, (3) training program for relevant employees, (4) independent testing of the program, (5) KYC/CIP procedures for customer identification.
What triggers a SAR?
Any suspicious transaction (regardless of amount), any transaction $5K+ that has no apparent business purpose, any transaction involving funds derived from illegal activity. Mandatory if the institution detects the activity.
What is the $10K CTR threshold?
Any cash transaction over $10,000 (or aggregated structuring intended to avoid the threshold) requires a Currency Transaction Report. Filed within 15 days through FinCEN.
What is independent testing?
Annual independent test of the BSA program by someone not involved in day-to-day BSA operations. We do not perform the test (would compromise independence) but coordinate with a separate reviewer.
What about state money transmission licensing?
Separate from BSA. Money transmitters need state-by-state licenses (53 jurisdictions including DC and Puerto Rico). We do not currently handle MTL but refer to specialists.
Bundle & save
Recommended add-ons
Most customers add these to keep their business compliant year-round.
Multi-state Coverage
Best valueAdd states for $9/month each. Track deadlines across every jurisdiction.
$9
/month each
Add →
Auto-File Annual Reports
RecommendedDon't just track - let us file every report automatically.
$15
/month
Add →
BOI Auto-Update
When beneficial owners change, we re-file with FinCEN within the 30-day window.
$9
/month
Add →
Why File.Business
Premium compliance, no service-fee markup.
Trust you can verify
SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.
A compliance partner, not a transaction
Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.
Premium experience competitors cannot match
Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.