| Reward | 10–30% of sanctions |
|---|---|
| Jurisdiction | Federal — applies nationwide |
| Administered by | Financial Crimes Enforcement Network (U.S. Treasury) |
| Legal authority | 31 U.S.C. § 5323 (AML Act of 2020; AML Whistleblower Improvement Act of 2022) |
| Fraud covered | Banking, AML & sanctions |
| Eligibility / shares | Treasury/DOJ enforcement action with monetary sanctions over $1,000,000. Covers BSA, IEEPA, TWEA and Kingpin Act violations. |
| Anonymous filing | Yes — Anonymous submission through an attorney, mirroring the SEC model. |
| Attorney | Optional. Not required to report; required for anonymous submissions. |
| Status | Rulemaking in final stretch — NPRM published April 1, 2026; comments closed June 1, 2026. Tips accepted now. |
Key takeaways
- Whistleblowers can receive 10–30% of sanctions.
- Administered by Financial Crimes Enforcement Network (U.S. Treasury).
- You can file anonymously — but only through an attorney.
- No attorney needed to file — but filing anonymously requires one.
- Treasury/DOJ enforcement action with monetary sanctions over $1,000,000. Covers BSA, IEEPA, TWEA and Kingpin Act violations.
How to report and claim your reward
- Submit a tip to FinCEN following its 'Submitting a Tip' guidance
- Tips are shared with OFAC and DOJ — filing now preserves award eligibility
Track record
No awards paid yet — payouts begin once the implementing rule is final. Proposed rule (April 2026) includes a rebuttable presumption of the MAXIMUM 30% award where that amount is ≤ $15M.
Good to know
The biggest emerging program: bank AML failures, sanctions evasion, crypto mixers and exchanges. Get in early — tips submitted now keep eligibility.
Anonymity: Anonymous submission through an attorney, mirroring the SEC model.
Been a victim of this kind of fraud? This page is for whistleblowers reporting fraud they've witnessed. If you lost money to a scam yourself, start with our fraud victim recovery guides — how to report it, try to get your money back, and protect your identity.
Should you talk to a whistleblower attorney first?
Not strictly required here — not required to report; required for anonymous submissions.
Statistically, represented whistleblowers recover awards far more often than unrepresented ones, and reporting through the wrong channel — or second — can forfeit your reward entirely. Because whistleblower attorneys work on contingency, a consultation costs nothing.
Last verified: July 4, 2026 against official government sources. Program rules change — always confirm on the official site before filing.