The term 'ON INFORM' can be solved by the three letter word 'RAT'. This is an acronym for 'Report All Transactions', which is a requirement of the Bank Secrecy Act. The Bank Secrecy Act requires financial institutions to report certain transactions to the Internal Revenue Service (IRS). These transactions include cash deposits and withdrawals of more than $10, 000, as well as any suspicious activity that could indicate money laundering or other criminal activity. Financial institutions must also keep records of these transactions for at least five years.