Currency exchanges, remittance services, check cashing, money orders and crypto-ATMs: the step-by-step FinCEN registration guide (Form 107), a 40-point traffic-light checklist, the annual BSA obligations calendar, OFAC and CTR/SAR SOPs and the W-9/W-8 kit. With official sources cited.
BUY ESSENTIAL KIT — USD 149BUY COMPLETE KIT — USD 590Operating as a money transmitter without FinCEN registration can be charged under 18 U.S.C. § 1960: up to 5 years in prison and forfeiture of the business. Willful BSA violations reach $250,000 USD and 5 years per violation (31 U.S.C. § 5322). And that's only the federal layer: every state has its own licenses.
The owner registers (or thinks they did), copies a generic AML program off the internet, learns what a SAR is when the IRS exam starts, and finds out the registration expired 8 months ago. The fine doesn't come from malice: it comes from having no system.
Banks close MSB accounts through "derisking" every month — and an MSB without a bank account doesn't survive the quarter. When your bank asks for your AML program documentation (and it will), what it expects to see is exactly what this kit helps you build: written program, training evidence, independent review, reporting calendar. It's not just compliance: it's your case for keeping your account.
Am I an MSB? Federal categories explained with examples from your line of business (crypto included). Form 107 via BSA E-Filing step by step: what data to prepare, what it costs ($0), when to renew (every 2 years). The 4 pillars of the mandatory AML program (31 CFR 1022.210). SAR ($2,000) and CTR ($10,000) thresholds, Travel Rule ($3,000), agent lists, and the penalties with their legal citations.
Traffic-light self-assessment in 7 sections: registration & licenses, AML program, reporting, recordkeeping, training, agents and exam preparation. You finish knowing exactly where you stand and what to fix first.
Month by month: biennial renewal, annual training, independent review, quarterly self-exams, state license verification. Ready to load into Google Calendar with double reminders.
Step-by-step counter procedures: CTR, SAR, OFAC screening and structuring, with owner, deadline and evidence templates. See details.
Decision tree, 1099-NEC and 1042-S SOPs, bilingual request templates and the payer's tax calendar. Contents are described in Spanish.
USD 149
USD 590
You run (or are opening) a currency exchange, remittance, check cashing, money order or crypto-ATM business in the US; you want to understand the rules before paying a lawyer; you need the document base and calendar NOW.
You've already received an exam or investigation notice (you need a lawyer this week, not a kit), you operate in many states with a complex structure, or you want someone to do it for you. This kit prepares you; it doesn't represent you.
No — and no serious provider can promise that. The kit gives you preparation, structure and evidence: real compliance depends on operating what's documented and on the state licenses for your case. That's why we include cited official sources and an express recommendation of legal review.
No. State money transmitter licenses (via NMLS) are separate procedures, per state, with their own bonds and requirements. The guide explains how to verify which ones apply to you and where to file them.
The content is current as of October 2026. FinCEN rules can change: always verify them at fincen.gov before adopting the documents.
Editable digital documents. Digital delivery after payment confirmation.
One-time payment.
BUY ESSENTIAL KIT — USD 149BUY COMPLETE KIT — USD 590