UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT UNITED STATES OF AMERICA, Nos. 23-15712 23-15713 Plaintiff-Appellant / Cross-Appellee, D.C. No. 3:18-cv- v. 05931-JCS TIMBERLY E. HUGHES, OPINION Defendant-Appellee / Cross-Appellant.

Appeal from the United States District Court for the Northern District of California Joseph C. Spero, Magistrate Judge, Presiding

Submitted August 14, 2024 * San Francisco, California

Filed August 21, 2024 Before: Susan P. Graber, Consuelo M. Callahan, and Lucy H. Koh, Circuit Judges.

Opinion by Judge Koh * The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R. App. P. 34(a)(2). 2 USA V. HUGHES

SUMMARY **

Bank Secrecy Act

The panel affirmed t