家中老父卖了北京一套房子。他想买股票怕风险又找不到其他满意的投资去处，我就给我爸写了一张借条出利息借过来买投资房了。钱是国内亲友每人五万打过来的，刚才接到银行电话问我钱的来源是什么，我说是借父亲的，他又问父亲钱是哪来的我说是他卖了一套房子。银行让我把卖房合同给他们看看。大家帮着分析一下这个过程有什么不对吗？我爸卖房合同我都没看到怎么要给他们看呢？请大家费心了。谢谢
是否需要提供任何資料給銀行,簡單的說明如下,為例銀行會追究錢的來源,請見下面的資料
https://en.wikipedia.org/wiki/Bank_Secrecy_Act
美國司法部為於銀行的職責的規定 (洗錢的部份)
https://www.justice.gov/usam/usam-9-105000-money-laundering
As long as 你完成下列程序,你無需憂慮
Individual filing requirement
U.S. citizens must file the FBAR if they have a financial interest in, or authority over, foreign bank accounts or "foreign financial account" that have an aggregate value of $10,000 at any point in a year Additionally, they must report the accounts on Schedule B of the Form 1040 tax form. The FBAR should be filed separately with the U.S. Treasury by June 30 of each year.
如果你有問題,請參考這個資料
https://www.fincen.gov/financial_institutions/msb/materials/en/bank_reference.html
你的銀行之所以會這麼做是因為
Suspicious Activity Reporting Requirements
Certain money services businesses – businesses that provide money transfers or currency dealing or exchange; or businesses that issue, sell, or redeem money orders or traveler’s checks – must report suspicious activity involving any transaction or pattern of transactions at or above a certain amount:
- $2,000 or more;
- $5,000 or more for issuers reviewing clearance records.
You have 30 calendar days to file a SAR after becoming aware of any suspicious transaction that is required to be reported.
