<prompt> Human: Hello. My fiancee and I were approved for a loan after submitting our paperwork but we needed to verify our bank activity first. One of our grandparents randomly deposited 100k into our account and now it may show up as suspicious activity. Background: The Grandmother in question is fairly wealthy and would often transfer funds from her bank to her child parent of fiancee through my fiancees bank account. Both accounts are from the USA and my fiancee thought nothing of it because it would go in and go out. However, were in escrow and are close to closing the loan and this deposit showed up. Were worried about questions the lender will ask and, quite honestly, dont know if what they have been doing is considered illegal activity. We qualified for the loan on our own savings and accounts and did not intend on taking any gifts from anyone. If we tell the lender that their grandmother does this once in a while, will there be any legal consequences? We dont want that money and are advising the parents to take the money out. Would it have an impact on our loan? What are our options and is there anything to be concerned about? Thanks for your help in advance. edit: Flared for housing  <response>: uh, why are grandparents transferring tens of thousands of dollars through their grandchildrens accounts? that is kinda suspicious. theres no practical reason to do that; they could easily do a transfer X to Z rather than X to Y to Z. it looks as if theyre trying to somehow avoid giving money directly from X to Z, and using Y as a conduit. banks are required to report potentially suspicious transactions involving only 2000 or more. 100k is obviously more than 2000. 