FinCEN 314(a/b)
Mandatory and voluntary information sharing under USA PATRIOT Act Sections 314(a) and 314(b).
Overview
Section 314(a) requires financial institutions to search their records for accounts and transactions matching subjects provided by FinCEN (typically related to money laundering or terrorism investigations). Section 314(b) enables voluntary information sharing between financial institutions to identify and report money laundering or terrorist activity. The Overvoid API provides endpoints for both programs.
314(a) Mandatory Information Sharing
FinCEN distributes 314(a) requests every two weeks. Financial institutions have 14 days to search records and report matches. The Overvoid API automates this: upload the CSV, run matching against your entity database, and review results.
Upload 314(a) File
Upload a FinCEN 314(a) CSV file. The system automatically runs matching against all entities in your portfolio, checking names, SSN/EIN, dates of birth, and addresses.
CSV Format
The CSV must include a header row. All columns are optional except Name.
Name,SSN_ITIN,DOB,Address,City,State,Zip,Phone,Email,Type,EINJohn Doe,123-45-6789,1980-01-15,123 Main St,New York,NY,10001,2125551234,john@example.com,Individual,Acme Shell Corp LLC,,,,Panama City,,,,,,12-3456789Mohammed Al-Rashid,,,Dubai Marina Tower 4,,,,,,,
| Column | Description | Example |
|---|---|---|
| Name | Subject name (required) | John Doe |
| SSN_ITIN | Social Security or ITIN | 123-45-6789 |
| DOB | Date of birth (YYYY-MM-DD) | 1980-01-15 |
| Address | Street address | 123 Main St |
| City | City | New York |
| State | Two-letter state code | NY |
| Zip | ZIP code | 10001 |
| Phone | Phone number | 2125551234 |
| Email address | john@example.com | |
| Type | Record type (Individual or Business) | Individual |
| EIN | Employer Identification Number | 12-3456789 |
Matching is automatic: exact match on SSN/EIN (score 1.0), partial name match via ILIKE (score 0.7). Results appear in the matches endpoint for analyst review.
Upload Request
curl -X POST https://api.overvoid.io/v1/monitoring/314a/upload \-H "Authorization: Bearer cusd_test_YOUR_KEY" \-F "file=@314a-2026-03-15.csv"
{"file_id": "f314a_01HXZ1A2B3C...","filename": "314a-2026-03-15.csv","period": "2026-03-15","subjects_count": 47,"status": "processing","uploaded_at": "2026-03-16T09:00:00Z","estimated_completion": "2026-03-16T09:05:00Z"}
List 314(a) Files
List all uploaded 314(a) files with their processing status and match counts.
curl https://api.overvoid.io/v1/monitoring/314a/files \-H "Authorization: Bearer cusd_test_YOUR_KEY"
{"files": [{"file_id": "f314a_01HXZ1A2B3C...","filename": "314a-2026-03-15.csv","period": "2026-03-15","subjects_count": 47,"status": "completed","matches_count": 2,"positive_matches": 0,"negative_matches": 1,"pending_review": 1,"uploaded_at": "2026-03-16T09:00:00Z","completed_at": "2026-03-16T09:03:00Z","response_deadline": "2026-03-29T23:59:59Z"}],"total": 1}
Get 314(a) Matches
Retrieve potential matches found for a specific 314(a) file. Each match includes the subject data from the FinCEN list and the matching entity from your portfolio.
curl https://api.overvoid.io/v1/monitoring/314a/files/{file_id}/matches \-H "Authorization: Bearer cusd_test_YOUR_KEY"
{"file_id": "f314a_01HXZ1A2B3C...","matches": [{"match_id": "m314a_01HXZ2D4E5F...","subject": {"name": "ACME CORPORATION","alt_names": ["ACME CORP"],"address": "123 MAIN ST, WILMINGTON, DE 19801","id_number": "12-3456789","tracking_number": "FS-2026-001234"},"matched_entity": {"entity_id": "ent_01HXYZ...","legal_name": "Acme Corp","jurisdiction": "US-DE","match_score": 0.87,"match_fields": ["legal_name", "address"]},"review_status": "pending","reviewed_at": null,"reviewer": null}],"total": 1}
Review 314(a) Match
Mark a 314(a) match as a positive match (confirmed — must be reported to FinCEN) or negative match (false positive — no report required).
curl -X POST https://api.overvoid.io/v1/monitoring/314a/matches/{match_id}/review \-H "Authorization: Bearer cusd_test_YOUR_KEY" \-H "Content-Type: application/json" \-d '{"result": "positive","notes": "Confirmed match. Entity name and EIN match the 314(a) subject. Entity has active account with 3 wallets."}'
Request body:
| Field | Type | Description |
|---|---|---|
result | string | positive (confirmed match) or negative (false positive) |
notes | string | Analyst notes explaining the review decision (required) |
{"match_id": "m314a_01HXZ2D4E5F...","review_status": "positive","notes": "Confirmed match. Entity name and EIN match the 314(a) subject. Entity has active account with 3 wallets.","reviewed_at": "2026-03-17T10:30:00Z","reviewer": "analyst@overvoid.io"}
314(b) Voluntary Information Sharing
Section 314(b) allows financial institutions that have filed a certification with FinCEN to share information with each other to identify and report potential money laundering or terrorist activity. The Overvoid API manages partner registration, verification, and secure information sharing requests.
Register Partner Institution
Register a partner financial institution for 314(b) information sharing. Partners must have a valid 314(b) certification filed with FinCEN.
curl -X POST https://api.overvoid.io/v1/monitoring/314b/partners \-H "Authorization: Bearer cusd_test_YOUR_KEY" \-H "Content-Type: application/json" \-d '{"institution_name": "First National Bank","ein": "11-2233445","contact_name": "Jane Smith","contact_email": "jane.smith@firstnational.com","contact_phone": "+1-555-0123","certification_date": "2026-01-01","certification_expiry": "2027-01-01"}'
{"partner_id": "p314b_01HXZ3F6G7H...","institution_name": "First National Bank","ein": "11-2233445","status": "pending_verification","contact_name": "Jane Smith","contact_email": "jane.smith@firstnational.com","certification_date": "2026-01-01","certification_expiry": "2027-01-01","created_at": "2026-03-20T11:00:00Z"}
List Partners
List all registered 314(b) partner institutions.
curl https://api.overvoid.io/v1/monitoring/314b/partners \-H "Authorization: Bearer cusd_test_YOUR_KEY"
{"partners": [{"partner_id": "p314b_01HXZ3F6G7H...","institution_name": "First National Bank","ein": "11-2233445","status": "verified","contact_name": "Jane Smith","contact_email": "jane.smith@firstnational.com","certification_date": "2026-01-01","certification_expiry": "2027-01-01","verified_at": "2026-03-21T14:00:00Z"}],"total": 1}
Verify Partner
Verify a partner institution's 314(b) certification. This confirms their FinCEN certification is valid and enables information sharing.
curl -X PUT https://api.overvoid.io/v1/monitoring/314b/partners/{partner_id}/verify \-H "Authorization: Bearer cusd_test_YOUR_KEY" \-H "Content-Type: application/json" \-d '{"verification_method": "fincen_lookup","verified": true,"notes": "Confirmed active 314(b) certification via FinCEN portal lookup."}'
{"partner_id": "p314b_01HXZ3F6G7H...","status": "verified","verified_at": "2026-03-21T14:00:00Z","verified_by": "analyst@overvoid.io","verification_method": "fincen_lookup"}
Create Information Sharing Request
Create a 314(b) information sharing request to a verified partner institution. Requests include the subject details and the reason for the inquiry.
curl -X POST https://api.overvoid.io/v1/monitoring/314b/requests \-H "Authorization: Bearer cusd_test_YOUR_KEY" \-H "Content-Type: application/json" \-d '{"partner_id": "p314b_01HXZ3F6G7H...","subject": {"name": "John Doe Trading LLC","ein": "55-6677889","address": "456 Commerce Ave, New York, NY 10001","wallet_addresses": ["0xabcd1234..."]},"reason": "Investigating potential structuring pattern. Subject may have accounts at your institution.","case_id": "case_01HXZ8B4P7Q..."}'
{"request_id": "r314b_01HXZ4H8J9K...","partner_id": "p314b_01HXZ3F6G7H...","status": "sent","subject": {"name": "John Doe Trading LLC","ein": "55-6677889"},"case_id": "case_01HXZ8B4P7Q...","created_at": "2026-03-22T10:00:00Z","response_deadline": "2026-04-05T10:00:00Z"}
List Information Sharing Requests
List all 314(b) information sharing requests, both sent and received.
curl "https://api.overvoid.io/v1/monitoring/314b/requests?status=sent&limit=20" \-H "Authorization: Bearer cusd_test_YOUR_KEY"
Query parameters:
| Param | Type | Description |
|---|---|---|
status | string | sent, received, responded, expired |
partner_id | string | Filter by partner institution |
limit | int | Max results (default 20, max 100) |
offset | int | Pagination offset |
{"requests": [{"request_id": "r314b_01HXZ4H8J9K...","partner_id": "p314b_01HXZ3F6G7H...","partner_name": "First National Bank","direction": "outbound","status": "sent","subject_name": "John Doe Trading LLC","case_id": "case_01HXZ8B4P7Q...","created_at": "2026-03-22T10:00:00Z","response_deadline": "2026-04-05T10:00:00Z","response": null}],"total": 1}
Respond to Information Sharing Request
Respond to an inbound 314(b) information sharing request from a partner institution.
curl -X POST https://api.overvoid.io/v1/monitoring/314b/requests/{request_id}/respond \-H "Authorization: Bearer cusd_test_YOUR_KEY" \-H "Content-Type: application/json" \-d '{"has_match": true,"details": "Subject has an active entity account (ent_01HABC...) with 2 registered wallets. Account opened 2025-06-15. We have filed a SAR on this entity (BSA ID 31000012345678) for structuring activity.","share_sar_reference": true,"sar_bsa_id": "31000012345678"}'
{"request_id": "r314b_01HXZ4H8J9K...","status": "responded","response": {"has_match": true,"responded_at": "2026-03-23T11:00:00Z","responded_by": "analyst@overvoid.io"}}
314(a) responses are due within 14 calendar days of receipt. 314(b) information sharing is protected under the USA PATRIOT Act safe harbor provision (31 USC 5318(g)(3)). All 314(b) communications are logged in the audit trail and encrypted in transit and at rest.