Does that article cite any official source?
As an accountant who handles the filing of BSA paperwork in a retail store, I once ran into a situation where an auditor tried to nail me for not having a CTR on file (BSA forms are filed electronically, but company policy requires a paper copy on file as well for CYA purposes) for a transaction that was over $10K but did not involve any cash (money orders only). The company's legal dept backed me up and told them that because no actual cash changed hands, a CTR was not necessary.