Question 1

What is the "Date Available" on my remittance receipt?

Accepted Answer

The disclosed date the funds must be available to your recipient — it starts the 180-day error-report window under 12 CFR 1005.33(b)(1)(i).

Question 2

What must be on a remittance transfer receipt by law?

Accepted Answer

12 CFR 1005.31(b)(2) — the receipt must state the Exchange Rate, all fees/taxes, the "Total to Recipient", and the "Date Available" (which starts the 180-day error clock). If figures were permitted estimates they must be labeled "Estimated" (§1005.31(d)).

Question 3

Is my state's regulator contact information required to be on the receipt?

Accepted Answer

Free escalation that no arbitration clause can remove: the CFPB complaint portal (consumerfinance.gov/complaint, "money transfer" category) and the STATE licensing agency — both are printed on your receipt by law (12 CFR 1005.31(b)(2)(vi)). The provider's §1005.33 error-resolution duties are regulatory compliance obligations that exist regardless of any arbitration clause.

Your receipt is the weapon — don't throw it away

Why the "Date Available" matters most

It already has your escalation path printed on it

What must be on it