 From a legal standpoint, this type of collection can be quite complex.For example, the CIA obtained access to the Society for Worldwide Interbank Financial Telecommunication (SWIFT) data streams through the Terrorist Finance Tracking Program, but this violated Belgian privacy law.Reporting requirements may not affect Informal value transfer systems (IVTS) the use of which may simply be customary in a culture, and of amounts that would not require reporting if in a conventional financial institution.