Banks are required to report the cashing of checks over a certain amount to help prevent money laundering. It's a good idea, but there's a major problem with the system. If, say, a grocery store needs change for its cash registers and sends a cashier to the bank with a check made out to "Cash", the cashier must endorse the check. And, since she is the actual recipient of the money, it's her name that gets reported. It's irrelevant that she's merely a representative of her employer, it still has to be reported under her name.

The problem isn't that business employees handling such transactions get investigated. That's possible, but extremely unlikely. The problem is that the system creates mountains of data that must be sifted through to find a handful of suspicious transactions. If banks were allowed to use a bit of discretion, the feds could spend more time catching crooks and a lot less time eliminating routine business transactions from their scope of concern.