According to the U.S. Supreme Court decision in United States v. Miller, 425 U.S. 435, 442-443 (1976), you, the American people, have “no legitimate expectation of (Fourth Amendment) privacy … concerning the information kept in bank records.”
The US Supreme Court decision further stated, “The depositor takes the risk, in revealing his affairs to another [such as a bank], that the information will be conveyed by that person to the [federal] Government.” The IRS, DOJ, ATF, DEA, FBI and any other federal government agency can gain access to your financial records without a court order, just by asking the bank!
Even more disturbing (or “unattractive”, as the above decision puts it), there is no legal consequence if the bank neglects to notify you that they provided your bank records to the federal government!
This means when you deposit money into a bank account, or you write checks or use credit or debit cards to buy food or clothing, pay your mortgage or rent, or whatever you do, even gifting a friend, the federal government does not consider the bank records created by those transactions to be “confidential communications,” instead claiming they are “commercial transactions.” Under the so-called “commerce clause,” they claim those transactions are subject to their jurisdiction. They say you “voluntarily” gave up your Fourth Amendment right to privacy in those papers.
The super-majority of “conservative” Supreme Court justices (7 of 9, with the two liberal justices dissenting) made up these lies because, as Congress wrote in the Bank Secrecy Act, bank and financial records “have a high degree of usefulness in criminal, tax, and regulatory investigations and proceedings.” See 12 USC 1829b(a)(1). In other words, since your bank records make it easier for the Government to steal from you, control you, and imprison you, the courts found this way to rationalize a work-around of your constitutional right to privacy in your financial transactions.
Many naïve Americans don’t care about the U.S. Constitution and neither do their elected Congress members and federal judges, who have all sworn an oath before GOD to uphold the Constitution against ALL ENEMIES FOREIGN AND DOMESTIC!
So, what does this mean for you? If you want to protect your right to privacy, use cash as much as possible and minimize or eliminate the use of banks and banking instruments. Cash and money orders are the most private instruments for settling your financial dealings.
The media, banks, and government drum it into our heads that sending cash through the mail is risky. It is true that sending cash through the US mail to pay a large company where you do not know who at that company will open your payment envelope. An unknown clerk at that company could pocket your cash payment without crediting your account. For that reason, money orders are the logical choice for paying bills or buying items by mail.
Sending cash via United States Postal Service to those you know and trust is very safe. For any person other than the addressee to open a USPS First Class or higher package is a federal crime, and all postal employees are quite familiar with these laws!
In fact, a court order would be required for anyone other than the addressee to open a United States Postal Service (USPS) First Class, Priority or Express Mail envelope or package. However, this is not the case with FedEx, UPS, or other private carriers who routinely open packages at the whim of some bureaucrat without a court order.
In fact, most gold, silver, and other precious metals are sent via US Mail. These items, as well as cash, can be sent by registered mail or certified return receipt and can be insured. If you insure a cash mailing (which is not necessary), and if the postmaster asks what is in the package, simply tell them that the package contains “important papers.”
Registered mail is the most secure way to mail. Every postal worker who takes possession of a registered package must sign for it. The fact the mail is registered lets all postal workers know that if the package is lost, it could easily be traced to them and they could be sent to prison for mail tampering.
For our financial privacy as well as yours, Freedom Law School only accepts cash, cryptocurrency, or other non-bank method. We know this policy may not always be as convenient as the banks have made using checks and cards, but it is for everyone’s best interest and privacy. FLS has a solid reputation of honor. You can rest assured that your correspondence will be treated in confidence, with respect and honesty!