oh, good grief Joe-6! ya just had to go & ruin it for me didn’t cha? LOL
From that link, structuring applies to banks and CTR. It’s when depositing large sums o’money.
If my money is already in the bank and I decide to pay someone with three checks, I don’t see how that can be illegal.
"Structuring," is covered by 31 US Code § 5324, the full title of which is, "Structuring transactions to evade reporting." Under current law, banks and other financial institutions are required to file Currency Transaction Reports (CTRs) for any transaction (deposit, withdrawal, transfer, etc.) in excess of $10K. If that financial institution has reason to believe that transactions are being structured to not trigger a CTR, the bank is required to file a Suspicious Activity Report (SAR), which might trigger an investigation by the FedGov.
There have been cases where a business's average weekly take would be somewhere between $9-10K so they would show a pattern of deposits just under the reporting threshold. SARs were filed, and investigations triggered where the business showed the transactions were completely legit, but the pattern did raise suspicion. If the investigation would have shown that the deposits were deliberately "structured," to avoid triggering a CTR (or series of CTRs) that would be a crime.
If Biden is successful in requiring banks to report $600 accounts/transactions, I think it only reasonable that the structuring laws will be expanded to require SARs for transactions structured to avoid triggering those reports as well.