The currency transaction report was initiated by the Bank Secrecy Act in 1970. However, not all transactions of $10,000 and more need to reported with a CTR. Recent legislation has identified certain groups known as exempt persons. There are three categories of exempt persons.
Quality Learning is learning that fosters the individuals ability to be acquire, knowledge and understanding which is then utilised within real situtions to make valid, informed decisions, and also enhances the individuals ability to be positively involved in the sharing of ideas, understanding and opinions.
A founding principle that continues to drive Quality Matters is the need for QM Standards to reflect current academic research on effective learning.