If you've not yet started, listen to nostr:npub1h8nk2346qezka5cpm8jjh3yl5j88pf4ly2ptu7s6uu55wcfqy0wq36rpev read the wonderful but lengthy piece written by nostr:npub1s5yq6wadwrxde4lhfs56gn64hwzuhnfa6r9mj476r5s4hkunzgzqrs6q7z on the proposed FinCEN rule.
It's worth your time, and will help you craft a more intelligent response to the rule, while there's still time to do so. Do both.