So I engage in the LEGAL practice of Manufactured spending to maximize my credit card rewards. Part of the process is to deposit the money orders you buy into your bank account in order to pay back the credit cards. Unbeknownst to me, I may have been walking the thin line on structuring but after doing some research, I am still unclear on where I may stand especially after trying to interpret the IRS's definition of it........one section on the IRS website states that structuring could be construed as making multiple deposits under 10K over a couple of days to avoid the bank from reporting you and then another section, structuring could be seen as doing the same thing over any length of time. The thing is I don't have a problem with the bank reporting a deposit over 10K to the IRS, I have a problem hanging onto the money orders long enough until I have 10K to deposit.

My usual practice is to get 3 or 4K of money orders twice a week and deposit them the same day.........my total weekly aggregate deposit is usually 6K but no more than 8K. I have read horror stories that the IRS has gone after innocent tax paying people who have legitimate sources of income who inadvertently engaged in what could be seen as structuring deposits instead of what I think the law was originally designed for which was chase after criminals money laundering proceeds from crime. Now I did read that the IRS has stopped that practice and are now only concentrating on structuring based off illegal sources of income but it doesn't make me feel comfortable.......all I want to know is where I would likely stand in the law with what I do so if anyone has any insights on this law, I would be very appreciable to hear from them. Thanks