It still happens, but not as much. In the early days, FINTRAC didn't have any guidelines, indicators, or even an education or information program. Five, six, or seven years ago, we started seeing fewer and fewer of these reports, particularly from the better-informed reporting entities. It's rare for a bank to send us a suspicious transaction report based solely on subjective factors; it's always tied to a transaction. We do a lot of outreach work with reporting entities. We provide them with information on potentially suspicious transactions, as well as indicators and ways to identify money laundering trends.
I can't say that it never happens, but we seldom receive suspicious transaction reports that are not consistent with the legislation, meaning transactions that do not need to be reported. When they do come in, we don't use them and we remove them from our system. Furthermore, if we were to notice that a reporting agency kept submitting transaction reports that did not meet the threshold for suspicious activity, we would contact the entity directly, making sure it knew when transaction reports were required and what the thresholds were.
In short, the kinds of reports you are referring to are rare, and when they do come in, we delete them. If we notice a trend or an ongoing problem, we talk to the reporting entity directly about compliance. That said, the people in charge of intelligence would help us determine whether the reports were appropriate or not.