RemittancePulse › Money Transfer Rights › Not Covered

What's NOT covered — read this before you file anything

The answer: Reg E Subpart B only protects consumers sending for personal/family/household purposes, in amounts over $15, from a U.S. State to a foreign country, through a covered provider. Outside that box, different rules apply.

Business senders

12 CFR 1005.30(g), comments 30(g)-2/-3 — transfers from business/LLC/sole-prop accounts are per se non-covered (sender must act for personal/family/household purposes)

$15 or less — and the exact-$15 catch

12 CFR 1005.30(e)(2)(i) — transfers of $15 or less are excluded ($15.00 exactly is EXCLUDED; the gate is MORE than $15)

Domestic transfers

12 CFR 1005.30(c), comment 30(c)-2.i — recipient must be at a location in a foreign country; US military installations abroad count as States in both directions

Self-custody crypto

Self-custody crypto: no provider intermediary directly engaged with the sender (comment 30(e)-2.i) and whether virtual currency is "funds" is UNRESOLVED — the CFPB proposed a stablecoins-are-funds interpretive rule (90 FR 3723, Jan 15 2025) and WITHDREW it (May 15 2025, doc 2025-08646). Honest-no/unknown. A fiat-in/fiat-out transfer that merely uses crypto internally turns on the consumer-facing legs [FLAG — no CFPB position; unverified].

The small-provider safe harbor

12 CFR 1005.30(f)(2)(i) — a person providing ≤500 remittance transfers in BOTH the previous and current calendar year is deemed NOT a provider (no Subpart B rights against it). Verified current (raised from 100 on July 21, 2020, comment 30(f)-2.ii).

Paying a foreign merchant by card directly

Comments 30(e)-2.ii, 30(e)-3.ii.A — paying a foreign merchant directly by card is NOT a remittance transfer (the network/issuer is not directly engaged with the sender)

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Generated 2026-07-07 by RemittancePulse (The Aslan Group LLC) from the same source-cited legal reference data our paid engine uses (12 CFR 1005.30-.36, EFTA, CA Fin. Code §2102). Informational, not legal advice — rules change; verify with the cited instruments and your own receipt. Contact: info@theaslangroupllc.com