加州MTL申请条件--（2/3）
Required Documents
Financial Statements:
财务报表:
Upload an audited financial statement prepared by a Certified Public Accountant in accordance with Generally Accepted Accounting Principles dated within 90 days of your fiscal year end. Financial statements should include a balance sheet, income statement, and statement of cash flows and all relevant notes thereto. Note that a minimum tangible net worth of $500,000 is required. If applicant is a start-up company, only an initial statement of condition is required.
Authorized Agents (Delegates) Locations & Company Owned Locations/Branches:
Licensees must use the NMLS Uniform Authorized Agent Reporting (UAAR) functionality to report Authorized Agents. Upon license approval, applicants are required to utilize the UAAR to upload a list of agents who are authorized to conduct money services businesses in the state of California on the Applicant’s behalf. Agent adjustments (additions, deletions, and modifications) must be submitted through the UAAR on a quarterly basis, even if there are no changes to report.
*If your company has company owned locations/branches that are authorized to conduct money services businesses in the state of California, please include these as part of your UAAR.
Approvals and Designation:
If applicable, enter the FinCen Registration Confirmation Number and Filing Date.
AML/BSA Policy
Upload an Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Policy that must include the most recent independent review, if available, as an addendum to the AML/BSA Policy.
The policy must describe in detail how the applicant proposes to comply with federal and/or state AML/BSA laws and regulations.
The policy must also describe in detail whether and in what manner the applicant will utilize and maintain computerized books, records, and electronic data processing technology to record and maintain information, including records relating to the money transmission business conducted by agents, in connection with the applicant's compliance with AML/BSA laws and regulations.
Business Plan
A company should only upload a single business plan. Upload a business plan outlining the following information:
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Products
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Target markets
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Fee schedule
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Operating structure the applicant intends to employ.
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A list of other states in which the applicant is licensed to engage in
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money transmission.
Information Regarding Marketing Plan and Licensing:
1.Identify the geographical area in the State of California where applicant proposes to engage in the business of money transmission;
2.Describe applicant's plan for establishing its transmission business and achieving a share of the transmission business in the market area identified above.
3.List the states and countries to which applicant proposes to transmit funds. The list should include the following data: the legal requirements applicant must satisfy in each state and country in order conduct money transmission in that jurisdiction; those states and countries where the applicant has already satisfied the legal requirements; and actions being taken to satisfy, and the anticipated date applicant will satisfy, the legal requirements for all remaining states and countries.
4.With respect to foreign countries, describe in detail the proposed operation for conducting the transmission business, including the name and address of any affiliate of applicant, agent of applicant, or correspondent bank in the destination country.
5.Indicate the expected principal language which the applicant will use to advertise, solicit, or negotiate, either orally or in writing, with its customers and the reason(s) for such expectation.
