[Pollster1]

Currency Transaction Reporting for cash deposits greater than $10K has been a federal banking requirement since before the mid 1980s so no this law was not enacted after 9/11. The law is related to money laundering. Restaurants and other cash-based business can fill out paperwork to get an exemption, or higher threshold for completing the CTR on each deposit.

I know the Bank Secrecy Act has been around for decades, but I was under the impression that they changed it under the Patriot Act to catch "structuring" as a means of concealing transactions over $10,000.

[Ken H]

The Bank Secrecy Act of 1970 (or BSA, or otherwise known as the Currency and Foreign Transactions Reporting Act) requires financial institutions in the United States to assist U.S. government agencies to detect and prevent money laundering.

Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, and file reports of cash purchases of these negotiable instruments of more than $10,000 (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities.

http://en.wikipedia.org/wiki/Bank_Secrecy_Act

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PS=> FURMN