After January 6, the FBI and the Treasury Department urged banks to comb through your transactions for the words "MAGA" and "Trump." Shopping at Cabela's and Bass Pro Shops got flagged too. So did bus tickets "for travel to areas with no apparent purpose" and "the purchase of books (including religious texts)." All of it happened without a warrant. And if your bank filed a report on you because of it, federal law makes it illegal for them to tell you. One document recommended running "MAGA" and "Trump" against Zelle payment messages. That's the memo line, where you type "pizza" or "rent," or "for the MAGA hat" when you pay your cousin back. The store searches came from a slide deck KeyBank wrote and FinCEN, the Treasury's financial crimes office, handed out to other banks. It told them to pull merchant code 3484, "Small Arms," and search for the stores by name. Bank of America volunteered. George Hill, a retired FBI intelligence analyst, told Congress the bank pulled the names of every customer who had used a BoA card in the D.C. area from January 5 to 7 and handed the list to the FBI without any legal process. Anyone on it who had ever bought a gun with a BoA card got bumped to the top. A deer rifle in Ohio 10 years earlier counted. The D.C. metro area holds more than 6 million people. Most of them spent January 6 stuck on the Beltway. Since 1970, the Bank Secrecy Act has required your bank to watch your money, report anything its compliance department finds unusual, and keep those reports secret from you. FinCEN, the office that handed out the search terms, is the office that runs it. The surveillance was already running on every account in America. Washington only had to tell it what to look for. This year Trump's own Treasury used the same law to make banks in two Minnesota counties report every transfer of $3,000 or more leaving the country. The words in the search bar change with whoever's in power. The search bar stays. In 2021 the keyword was MAGA. Today's keyword is between your bank and the Treasury. None of this gets fixed by electing the right people to hold the search bar. The Bank Secrecy Act's reporting mandate is what built it, and Congress should repeal it.