[jdmichal]

Agreed on the last bit. Having a clear-cut line where "this must be reported" is I think necessary for liability reasons. There are definitely other transactions that should be reported, in the spirit of the actual AML (anti money laundering) issue. But I think it's necessary to be able to say, in a legal setting, that the required obligation was met and discharged, even if something happened that probably should have been caught.