The answer depends on the country. In the US, review the Bank Secrecy Act and anti-money laundering (AML) regulations. In Canada, there is the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) regulations and also the CRA requiring the individuals and businesses retain their records for up to six years.

if there’s some sort of way around this either with a lawyer or federal form or something.

Very unlikely.

Good one, let me try!

Knock knock

Who’s there?

Race Condition