Casinos are one of the most heavily scrutinized reporting entity types under the PCMLTFA. Unlike most industries, casinos have their own dedicated report type: the Casino Disbursement Report (CDR). On top of that, they must file LCTRs for large cash transactions, STRs for suspicious activity, and maintain detailed records of every significant interaction at the cage, tables, and slots.
The nature of casino operations creates compliance pressure that other industries rarely face. Cash moves fast. Patrons buy in, cash out, transfer chips between tables, and request payouts across multiple visits in a single day. Each of those touchpoints can trigger a reporting obligation, and missing any one of them puts your licence and your business at risk.
CDRs are unique to the gaming industry. You must file a CDR when you disburse $10,000 or more in a single transaction, or when multiple disbursements to the same patron total $10,000 or more within 24 hours. Disbursements include cash payouts, chip redemptions, and other forms of value returned to the patron.
Deadline: 15 calendar days from the date of the disbursement.
Any cash received totalling $10,000 or more within a 24-hour period from a single patron requires an LCTR. This includes chip purchases, front money deposits, and any other cash received at the cage or on the floor.
Deadline: 15 calendar days from the date of the transaction.
Casinos must file STRs whenever there are reasonable grounds to suspect a transaction is related to money laundering or terrorist financing. There is no dollar threshold. Common triggers in gaming include structuring chip purchases just below $10,000, unusual patterns of buying in and cashing out with minimal play, and patrons using chips as a form of currency exchange.
Deadline: As soon as practicable after completing your assessment.
Upload your daily transaction data as a CSV. Comply+ automatically identifies every disbursement and cash receipt that meets the $10,000 threshold, including aggregated transactions within 24-hour windows. Reports are pre-filled with patron information and ready for review.
Our aiSTR technology scans transaction patterns against FINTRAC risk indicators specific to gaming: minimal play relative to buy-in amounts, rapid cash-in/cash-out cycles, unusual chip transfer activity, and more. Flagged transactions come with draft narratives you can review and submit.
Submit CDRs, LCTRs, and STRs directly to FINTRAC from within Comply+. No need to log into the FINTRAC portal separately. Every submission is tracked with confirmation receipts and a full audit trail.
Comply+ maintains a complete view of each patron's transaction history, making 24-hour aggregation automatic. When a patron's cumulative activity crosses a reporting threshold, the system flags it immediately.
Comply+ is built to handle the transaction volumes and complexity that casino compliance demands. Whether you operate a single gaming floor or a multi-property group, the platform scales with your operations.
FINTRAC publishes official guidance on record keeping for casinos. For full details and current requirements, see: Record keeping requirements for casinos (FINTRAC).
FINTRAC enforcement is intensifying. Recent penalties demonstrate that compliance failures result in significant financial consequences, with Bill C-2 increasing maximum penalties to $20 million for entities.
FINTRAC has imposed significant Administrative Monetary Penalties (AMPs) for compliance failures across multiple sectors.
December 2025 — Toronto, Ontario
Multiple compliance failures including no effective compliance regime, no proper risk assessment, and failures to submit EFT and LCT reports.
Read case studyDecember 2025 — Foreign MSB (Seychelles)
Failed to submit STRs for transactions with exposure to darknet marketplaces, sanctioned entities, and child sexual abuse material.
Read case studyOctober 2025 — British Columbia
2,593 violations including 1,068 unreported STRs, 1,518 unreported LVCTRs, and failure to comply with Ministerial Directive on Iran.
Read case studySeptember 2025 — Foreign MSB (Seychelles)
Unregistered foreign MSB, 2,952 unreported LVCTRs, and 33 unreported STRs linked to darknet marketplaces and illicit chemical trade.
Read case studyUnder Bill C-2 (tabled June 2025), maximum Administrative Monetary Penalties would increase dramatically:
Purpose-built for Canadian FINTRAC compliance. Automate reporting, reduce risk, and scale your operations.
Handle all FINTRAC transaction types with automated LCTR, LVCTR, EFTR, and STR detection and submission. Our system identifies reportable transactions across cash, virtual currency, and electronic funds transfers.
Our proprietary aiSTR™ technology automatically flags suspicious transactions and drafts FINTRAC-compliant narratives. Reduce false positives and ensure nothing falls through the cracks.
Scale your operations without increasing compliance overhead. Automate reporting workflows to handle growth from hundreds to thousands of transactions per month.
From batch uploads to direct FINTRAC submission — everything you need in one platform
Submit reports directly to FINTRAC securely. No need to log in to the FINTRAC website — everything is handled within Comply+.
For fully connected databases, enable autopilot for automatic submission of LCTRs, LVCTRs, and EFTRs. Our proprietary aiSTR™ technology handles suspicious transaction detection, requiring manual review only for STRs.
For non-connected databases, upload a CSV of transactions. Automatically detect required reports and generate draft LCTRs, LVCTRs, EFTRs, CDRs, and STRs with AI-powered analysis.
Our proprietary aiSTR™ technology automatically flags high-risk transactions and drafts narratives aligned with FINTRAC risk indicators. You retain full control with manual overrides.
Maintain complete customer and location data with direct integrations to providers like SumSub. Reports auto-populate with existing records.
Create and save draft reports — including AI-generated STR narratives — for later completion. Work at your own pace with automatic data preservation.
Add STR extensions to existing reports (LCTR/LVCTR/EFTR/CDR) with one click. Fill only additional fields — no separate forms.
Risk Detection Settings
Recommended STR filing
Advanced risk flagging via AI. Machine learning flags suspicious transaction patterns — reducing false positives and helping teams act faster on STRs.
Direct Slack integration for no login STR review/submissions
Maximize risk detection with custom set, and AI-driven risk indicators
Set your risk indicator weightings, or let aiSTR optimize detection
Generate higher accuracy through reinforced learning
In 30 minutes, walk through how Comply+ helps you move from transaction data to draft reports, STR review with your team, and FINTRAC API submission without logging into the Web Reporting System (FWR) for each filing.
Upload a CSV or connect your system and see how Comply+ helps surface reportable activity for LCTR, LVCTR, EFTR, and CDR workflows.
See how aiSTR™ supports narrative drafts and how your team reviews and decides what is filed.
Follow submission through FINTRAC's API and where confirmations and status live in Comply+.
Enter your work email. We will open the calendar to schedule your demo.
Disclaimer
This page is provided for general informational purposes only and reflects our interpretation and opinions based on publicly available information at the time of writing. It does not constitute legal advice, financial advice, regulatory guidance, or a substitute for professional counsel. Reporting entities and businesses subject to FINTRAC obligations should consult qualified legal and compliance advisors before making decisions relating to FINTRAC, AML obligations, or compliance requirements.