Which criterion does NOT require a SAR to be filed?

The correct choice is based on the specific thresholds set by the Bank Secrecy Act (BSA) regarding when to file a Suspicious Activity Report (SAR). According to the BSA, a SAR is required to be filed for transactions that involve suspicious activity aggregating to $5,000 or more, as well as transactions that lack a known business purpose.

However, transactions that are less than $1,000 generally do not trigger the requirement to file a SAR. This threshold is established to focus regulatory efforts on transactions that are more likely to indicate substantial money laundering or other criminal activity. Therefore, transactions under $1,000, unless they show a pattern of suspicious behavior or are part of larger suspicious activities, do not meet the threshold for mandatory reporting.

Overall, the different criteria mentioned in the other options involve significant thresholds or specific characteristics that would typically warrant SAR filing under the BSA.