<prompt> Human: My husbands family is well off in Sri Lanka. My Father in law has thousands of dollars in his bank accounts in Sri Lanka that he wants to transfer to the US. For reasons unknown to me, he does not transfer more than 9k every quarter to his own account and wants to instead tunnel money through my husband by: 1. Making a gift to my husbands account in Sri Lanka2. Make my husband transfer the money from his account in Sri Lanka to his BofA account in California. This account is joint with my father in law3. My father in law will then make whatever purchases he wants to make from his joint account The fact that this is so complicated does not make me comfortable. My father in law is paranoid, so I am willing to give him the benefit of doubt. We are willing to file all FBAR reports and pay taxes on any amount that is taxable but we want to make sure we are not doing anything wrong here?  <response>: This is called structuring, and could get your husband in trouble with the US Federal Government. 