{"id":97271,"date":"2026-01-20T00:13:33","date_gmt":"2026-01-19T23:13:33","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=97271"},"modified":"2026-01-19T12:23:32","modified_gmt":"2026-01-19T11:23:32","slug":"novy-zakon-trumpovy-administrativy-vybery-hotovosti-presahujici-200-dolaru-budou-hlaseny-financnim-uradum","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/01\/20\/novy-zakon-trumpovy-administrativy-vybery-hotovosti-presahujici-200-dolaru-budou-hlaseny-financnim-uradum\/","title":{"rendered":"Nov\u00fd z\u00e1kon Trumpovy administrativy: V\u00fdb\u011bry hotovosti p\u0159esahuj\u00edc\u00ed 200 dolar\u016f budou hl\u00e1\u0161eny finan\u010dn\u00edm \u00fa\u0159ad\u016fm"},"content":{"rendered":"
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Hotovost je zlo\u010din: Nov\u00fd z\u00e1kon Trumpovy administrativy spou\u0161t\u00ed hl\u00e1\u0161en\u00ed IRS, kdy\u017e je ve vybran\u00fdch obc\u00edch z banky vybr\u00e1no 200 dolar\u016f \u2013 v boji proti podvod\u016fm a neleg\u00e1ln\u00edm imigrant\u016fm<\/span><\/strong><\/p>\n

\u201eMinisterstvo financ\u00ed se i nad\u00e1le zam\u011b\u0159uje na vyu\u017e\u00edv\u00e1n\u00ed v\u0161ech n\u00e1stroj\u016f a pravomoc\u00ed, kter\u00e9 m\u00e1me k dispozici, k lep\u0161\u00ed identifikaci a boji proti t\u011bmto trestn\u00fdm \u010dinnostem,\u201c uvedl Scott Bessent.<\/span><\/p>\n

Trumpova administrativa ti\u0161e schv\u00e1lila ve vybran\u00fdch \u010d\u00e1stech Spojen\u00fdch st\u00e1t\u016f nov\u00fd z\u00e1kon, kter\u00fd by mohl drasticky ovlivnit pou\u017e\u00edv\u00e1n\u00ed hotovosti \u2013 pod rou\u0161kou omezen\u00ed podvod\u016f a neleg\u00e1ln\u00edch aktivit.<\/span><\/p>\n

Prvn\u00ed den Trumpova prezidentstv\u00ed prezident podepsal\u00a0<\/span>v\u00fdkonn\u00fd p\u0159\u00edkaz<\/span><\/a>\u00a0s n\u00e1zvem \u201e\u00a0<\/span>Ozna\u010den\u00ed kartel\u016f a dal\u0161\u00edch organizac\u00ed jako zahrani\u010dn\u00edch teroristick\u00fdch organizac\u00ed<\/span><\/em>\u00a0a speci\u00e1ln\u011b ur\u010den\u00fdch glob\u00e1ln\u00edch terorist\u016f\u201c. \u201eOzna\u010den\u00ed jako FTO hraje kl\u00ed\u010dovou roli v na\u0161em boji proti terorismu a je \u00fa\u010dinn\u00fdm prost\u0159edkem k odrazov\u00e1n\u00ed od podpory teroristick\u00fdch aktivit a k vyv\u00edjen\u00ed tlaku na skupiny, aby se vzdaly teroristick\u00e9 \u010dinnosti,\u201c<\/span>
\nuv\u00e1d\u00ed se\u00a0<\/span>na webov\u00fdch str\u00e1nk\u00e1ch<\/span><\/a>\u00a0americk\u00e9ho ministerstva zahrani\u010d\u00ed .<\/span><\/p>\n

Dne 11. b\u0159ezna ozn\u00e1mila S\u00ed\u0165 pro vym\u00e1h\u00e1n\u00ed finan\u010dn\u00ed kriminality (FinCEN), kter\u00e1 podl\u00e9h\u00e1 ministerstvu financ\u00ed, \u017ee bude v n\u011bkter\u00fdch \u010d\u00e1stech USA pe\u010dliv\u011bji sledovat hotovostn\u00ed transakce, p\u0159i\u010dem\u017e transakce ji\u017e od 200 dolar\u016f vedou k pod\u00e1n\u00ed hl\u00e1\u0161en\u00ed.<\/span><\/p>\n

Podle\u00a0<\/span>na\u0159\u00edzen\u00ed<\/span><\/a>\u00a0ve\u00a0<\/span>Feder\u00e1ln\u00edm rejst\u0159\u00edku<\/span><\/em>\u00a0:<\/span><\/p>\n

FinCEN vydal ozn\u00e1men\u00ed o na\u0159\u00edzen\u00ed o geografick\u00e9m c\u00edlen\u00ed, kter\u00e9 vy\u017eaduje, aby ur\u010dit\u00e9 spole\u010dnosti poskytuj\u00edc\u00ed pen\u011b\u017en\u00ed slu\u017eby pod\u00e9l jihoz\u00e1padn\u00ed hranice Spojen\u00fdch st\u00e1t\u016f hl\u00e1sily a vedly z\u00e1znamy o hotovostn\u00edch transakc\u00edch p\u0159esahuj\u00edc\u00edch 200 USD, ale nep\u0159esahuj\u00edc\u00edch 10 000 USD, a ov\u011b\u0159ovaly toto\u017enost osob zapojen\u00fdch do transakce.<\/span><\/em><\/p>\n

Pro \u00fa\u010dely tohoto na\u0159\u00edzen\u00ed se \u201ezahrnutou transakc\u00ed\u201c rozum\u00ed jak\u00fdkoli vklad, v\u00fdb\u011br, sm\u011bna m\u011bny nebo jin\u00e1 platba \u010di p\u0159evod dot\u010den\u00e9mu podniku, kter\u00fd zahrnuje hotovostn\u00ed transakci v hodnot\u011b p\u0159esahuj\u00edc\u00ed 200 USD, ale nejv\u00fd\u0161e 10 000 USD.<\/span><\/em><\/p>\n

Tiskov\u00e1 zpr\u00e1va<\/span><\/a>\u00a0FinCEN\u00a0pokra\u010duje :<\/span><\/p>\n

Boj proti drogov\u00fdm kartel\u016fm a zastaven\u00ed p\u0159\u00edlivu smrt\u00edc\u00edch drog do Spojen\u00fdch st\u00e1t\u016f pat\u0159\u00ed mezi nejvy\u0161\u0161\u00ed priority administrativy. V lednu prezident Donald J. Trump vydal v\u00fdkonn\u00e9 na\u0159\u00edzen\u00ed, kter\u00fdm se zav\u00e1d\u00ed proces, kter\u00fdm mohou b\u00fdt ur\u010dit\u00e9 kartely a dal\u0161\u00ed organizace ozna\u010deny za zahrani\u010dn\u00ed teroristick\u00e9 organizace (FTO) a\/nebo speci\u00e1ln\u011b ur\u010den\u00e9 glob\u00e1ln\u00ed teroristy (SDGT).<\/span><\/p>\n

V souladu s t\u00edm v \u00fanoru ministerstva financ\u00ed a zahrani\u010d\u00ed USA ozna\u010dila osm organizac\u00ed \u2013 v\u010detn\u011b \u0161esti hlavn\u00edch drogov\u00fdch kartel\u016f se s\u00eddlem v Mexiku \u2013 za FTO a SDGT. Tato ozna\u010den\u00ed umo\u017e\u0148uj\u00ed Spojen\u00fdm st\u00e1t\u016fm podniknout dal\u0161\u00ed kroky k omezen\u00ed p\u0159\u00edstupu k americk\u00e9mu finan\u010dn\u00edmu syst\u00e9mu pro jednotlivce a organizace spojen\u00e9 s t\u011bmito skupinami.<\/span><\/p>\n

\u201eDne\u0161n\u00ed zve\u0159ejn\u011bn\u00ed tohoto GTO podtrhuje na\u0161e hlubok\u00e9 znepokojen\u00ed nad zna\u010dn\u00fdm rizikem, kter\u00e9 kartely, obchodn\u00edci s drogami a dal\u0161\u00ed akt\u00e9\u0159i trestn\u00e9 \u010dinnosti pod\u00e9l jihoz\u00e1padn\u00ed hranice p\u0159edstavuj\u00ed pro finan\u010dn\u00ed syst\u00e9m USA,\u201c uvedl ministr financ\u00ed Scott Bessent. \u201eV r\u00e1mci celost\u00e1tn\u00edho p\u0159\u00edstupu k \u0159e\u0161en\u00ed t\u00e9to hrozby se ministerstvo financ\u00ed i nad\u00e1le zam\u011b\u0159uje na vyu\u017e\u00edv\u00e1n\u00ed v\u0161ech dostupn\u00fdch n\u00e1stroj\u016f a pravomoc\u00ed k lep\u0161\u00ed identifikaci a boji proti t\u011bmto trestn\u00fdm \u010dinnostem.\u201c<\/span><\/em><\/p>\n

P\u016fvodn\u00ed na\u0159\u00edzen\u00ed se t\u00fdkalo 44 okres\u016f v Kalifornii a Texasu.<\/span><\/p>\n

8. z\u00e1\u0159\u00ed byla politika\u00a0<\/span>aktualizov\u00e1na<\/span><\/a>\u00a0a prodlou\u017eena do 6. b\u0159ezna leto\u0161n\u00edho roku, \u010d\u00edm\u017e se zv\u00fd\u0161ila hranice transakce na 1 000 USD a zahrnula i n\u011bkter\u00e9 dal\u0161\u00ed okresy v Arizon\u011b.<\/span><\/p>\n

\u0158editelka FinCEN Andrea Gacki v z\u00e1\u0159\u00ed uvedla:<\/span>
\n\u201eFinCEN se siln\u011b zam\u011b\u0159uje na boj proti kartel\u016fm, obchodn\u00edk\u016fm s drogami a dal\u0161\u00edm akt\u00e9r\u016fm trestn\u00e9 \u010dinnosti pod\u00e9l jihoz\u00e1padn\u00ed hranice, kte\u0159\u00ed p\u0159edstavuj\u00ed v\u00fdznamn\u00e1 rizika jak pro finan\u010dn\u00ed syst\u00e9m USA, tak pro ve\u0159ejn\u00e9 zdrav\u00ed. Zpr\u00e1vy generovan\u00e9 t\u00edmto na\u0159\u00edzen\u00edm o geografick\u00e9m c\u00edlen\u00ed budou i nad\u00e1le pom\u00e1hat org\u00e1n\u016fm \u010dinn\u00fdm v trestn\u00edm \u0159\u00edzen\u00ed vy\u0161et\u0159ovat siln\u00e9 neleg\u00e1ln\u00ed s\u00edt\u011b pod\u00e9l jihoz\u00e1padn\u00ed hranice a za n\u00ed.\u201c<\/span><\/p>\n

V\u00fdb\u011bry ve v\u00fd\u0161i 10 000 dolar\u016f nebo v\u00edce vedou k nahl\u00e1\u0161en\u00ed z banky IRS, a to i v p\u0159\u00edpad\u011b, \u017ee majitel\u00e9 \u00fa\u010dtu neud\u011blali nic \u0161patn\u00e9ho. Rozd\u011blen\u00ed t\u00e9to \u010d\u00e1stky na men\u0161\u00ed transakce v\u0161ak m\u016f\u017ee tak\u00e9 v\u00e9st k nahl\u00e1\u0161en\u00ed a zv\u00fd\u0161it pravd\u011bpodobnost vl\u00e1dn\u00edho vy\u0161et\u0159ov\u00e1n\u00ed. Podle\u00a0<\/span>The Motley Fool<\/span><\/em>\u00a0:<\/span><\/p>\n

\u010clov\u011bk by mohl b\u00fdt v poku\u0161en\u00ed prov\u00e9st n\u011bkolik men\u0161\u00edch v\u00fdb\u011br\u016f (nap\u0159\u00edklad 5 000 dolar\u016f dnes a dal\u0161\u00edch 5 000 dolar\u016f z\u00edtra), aby obe\u0161el prahovou hodnotu pro hl\u00e1\u0161en\u00ed.<\/span><\/em><\/p>\n

Ned\u011blej to.<\/span><\/em><\/p>\n

Tato praxe se naz\u00fdv\u00e1 \u201estrukturov\u00e1n\u00ed\u201c a je pova\u017eov\u00e1na za feder\u00e1ln\u00ed p\u0159estupek. I kdy\u017e jsou \u00famysly ne\u0161kodn\u00e9, lze ji interpretovat jako \u00famysln\u00fd pokus obej\u00edt p\u0159edpisy o finan\u010dn\u00edm v\u00fdkaznictv\u00ed.<\/span><\/em><\/p>\n

V\u00e1\u017en\u011b: Pokus o obch\u00e1zen\u00ed pravidel nebo pou\u017eit\u00ed z\u00e1ke\u0159n\u00fdch taktik se s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed obr\u00e1t\u00ed proti v\u00e1m. Nejlep\u0161\u00edm p\u0159\u00edstupem je prov\u00e9st jednor\u00e1zov\u00fd, \u010dist\u00fd v\u00fdb\u011br a b\u00fdt v tomto ohledu transparentn\u00ed.<\/span><\/em><\/p>\n

Nicholas Anthony, politick\u00fd analytik z libertari\u00e1nsk\u00e9ho Cato Institute, tehdy napsal:<\/span>
\n\u201eV\u00edce ne\u017e milion Ameri\u010dan\u016f bude brzy \u010delit nov\u00e9 \u00farovni finan\u010dn\u00edho dohledu. Finan\u010dn\u00ed dohled ve Spojen\u00fdch st\u00e1tech ji\u017e dlouho pot\u0159ebuje reformu, ale tento krok je krokem \u0161patn\u00fdm sm\u011brem.\u201c<\/span><\/p>\n

\u010casopis Reason<\/span><\/em>\u00a0dodal:<\/span><\/p>\n

Anthony \u0159\u00edk\u00e1, \u017ee m\u00edsto sni\u017eov\u00e1n\u00ed prahov\u00e9 hodnoty m\u011bla b\u00fdt z\u00e1kladn\u00ed hranice 10 000 dolar\u016f zv\u00fd\u0161ena u\u017e d\u00e1vno.<\/span><\/p>\n

Feder\u00e1ln\u00ed vl\u00e1da za\u010dala v roce 1952 po\u017eadovat, aby banky zaznamen\u00e1valy a hl\u00e1sily v\u0161echny hotovostn\u00ed transakce v hodnot\u011b 10 000 dolar\u016f a v\u00edce. Z\u00e1kon o bankovn\u00edm tajemstv\u00ed z roku 1970 zavedl dne\u0161n\u00ed referen\u010dn\u00ed \u010d\u00edsla hotovostn\u00edch transakc\u00ed (CTR) a v roce 1972 p\u0159edpisy ministerstva financ\u00ed stanovily prahovou hodnotu na 10 000 dolar\u016f.<\/span><\/p>\n

Jak Anthony zd\u016fraz\u0148uje, tato hranice se od t\u00e9 doby nezm\u011bnila. I kdyby byla upravena pouze o inflaci, sou\u010dasn\u00e1 minim\u00e1ln\u00ed hranice pro zpr\u00e1vu o CTR by se pohybovala mezi 80 000 a 180 000 dolary v z\u00e1vislosti na po\u010d\u00e1te\u010dn\u00edm roce.<\/span><\/p>\n

M\u00edsto toho z\u016fstala hranice CTR nezm\u011bn\u011bna, zat\u00edmco kupn\u00ed s\u00edla dolaru klesla: 10 000 dolar\u016f dnes odpov\u00edd\u00e1 pouh\u00fdm 1 372 dolar\u016fm v roce 1972 \u2013 co\u017e je jen zlomek toho, co p\u016fvodn\u011b regulace pokr\u00fdvala.<\/span><\/p>\n

Z tohoto d\u016fvodu po\u010det CTR daleko p\u0159ekro\u010dil \u00farove\u0148, kterou by byrokracie mohla smyslupln\u011b analyzovat. Ve fisk\u00e1ln\u00edm roce 2023 FinCEN uvedl, \u017ee spole\u010dnosti a finan\u010dn\u00ed instituce podaly p\u0159ibli\u017en\u011b 20,8 milionu CTR \u2013 pr\u016fm\u011brn\u011b 57 000 denn\u011b.<\/span><\/p>\n

\u201eInflace mohla p\u0159isp\u011bt k n\u00e1r\u016fstu objemu podan\u00fdch \u017e\u00e1dost\u00ed o povolen\u00ed k trestn\u00e9mu st\u00edh\u00e1n\u00ed, kter\u00fd od fisk\u00e1ln\u00edho roku 2002 vzrostl p\u0159ibli\u017en\u011b o 62 procent,\u201c uv\u00e1d\u00ed se ve zpr\u00e1v\u011b \u00da\u0159adu pro odpov\u011bdnost vl\u00e1dy z prosince 2024. \u201ePrahov\u00e1 hodnota upraven\u00e1 o inflaci by v roce 2023 \u010dinila p\u0159ibli\u017en\u011b 72 880 dolar\u016f. Takov\u00e1 \u00faprava by od roku 2014 sn\u00ed\u017eila po\u010det \u017e\u00e1dost\u00ed o povolen\u00ed k trestn\u00e9mu st\u00edh\u00e1n\u00ed nejm\u00e9n\u011b o 90 procent ro\u010dn\u011b.\u201c<\/span><\/p>\n

Od t\u00e9 doby Trumpova administrativa a ministerstvo financ\u00ed tak\u00e9 ozn\u00e1mily, \u017ee ji\u017e nebudou razit nov\u00e9 hal\u00e9\u0159e, \u00fadajn\u011b za \u00fa\u010delem sn\u00ed\u017een\u00ed vl\u00e1dn\u00edch v\u00fddaj\u016f \u2013 a to i p\u0159esto, \u017ee deficit produkce hal\u00e9\u0159\u016f je relativn\u011b mal\u00fd. Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m pouk\u00e1zal na to, \u017ee tento krok p\u0159ipravuje cestu pro digit\u00e1ln\u00ed m\u011bny a bezhotovostn\u00ed spole\u010dnost.<\/span><\/p>\n

Nav\u00edc, kdy\u017e Elon Musk je\u0161t\u011b pracoval pro vl\u00e1du a vedl Ministerstvo pro efektivitu vl\u00e1dy (DOGE), Trumpova administrativa ozn\u00e1mila zru\u0161en\u00ed plateb v hotovosti a \u0161eky Ministerstva financ\u00ed s c\u00edlem modernizovat platebn\u00ed syst\u00e9my \u2013 a z\u00e1rove\u0148 vytvo\u0159ila z\u00e1minku pro tokenizovan\u00e1 aktiva, CBDC a stablecoiny.<\/span><\/p>\n

Zat\u00edmco feder\u00e1ln\u00ed vl\u00e1da omezuje transakce s hotovost\u00ed, st\u00e1t New York letos zavedl z\u00e1kon, kter\u00fd vy\u017eaduje, aby podniky \u2013 s n\u011bkolika v\u00fdjimkami \u2013 nediskriminovaly u\u017eivatele hotovosti.<\/span><\/p>\n

Podle\u00a0<\/span>Hollanda a Knighta<\/span><\/a>\u00a0:<\/span><\/p>\n

Podeps\u00e1n\u00edm n\u00e1vrhu z\u00e1kona Sen\u00e1tu st\u00e1tu New York S4153A guvern\u00e9rkou Kathy Hochulovou zavedl st\u00e1t New York rozs\u00e1hl\u00fd po\u017eadavek, aby \u201emaloobchodn\u00ed prodejny\u201c a \u201eobchody s potravinami\u201c p\u0159ij\u00edmaly hotovost pro osobn\u00ed transakce. Z\u00e1kon vstoup\u00ed v platnost 120 dn\u00ed po podpisu (p\u0159edpokl\u00e1d\u00e1 se 20. b\u0159ezna 2026) a tak\u00e9 zakazuje \u00fa\u010dtovat z\u00e1kazn\u00edk\u016fm plat\u00edc\u00edm v hotovosti vy\u0161\u0161\u00ed ceny ne\u017e z\u00e1kazn\u00edk\u016fm pou\u017e\u00edvaj\u00edc\u00edm jin\u00e9 platebn\u00ed metody.<\/span><\/p>\n