MSB Call Report

Ship Your Money Service Business Reports On Time

MSB Reports delivers acceptance-ready filings by unifying collection, reconciliation, rule-aware pre-validation, and evidence export in one governed flow.

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The MSB Reports Approach

MSB Reporting Problem

Licensed money transmitters, check cashers, currency exchangers, and prepaid access providers face:

  • Fragmented data spread across GL/ERP systems, processors, payout networks, and AML/KYC platforms

  • Complex reconciliation requirements between principal vs facilitation activities and wallet vs transmission flows

  • State-specific rules with format, required-field, and NMLS-style validations that vary by jurisdiction

Publish on schedule
Publish on schedule

MSB First-Pass Acceptance

MSB Reports focuses on the 21 highest-impact Section II(b) State Transaction Detail lines (ST10–40, ST180–290, ST300–330, ST360–362) where NMLS acceptance is won or lost.

What sets it apart:

  • State-aware validations. Pre-validates against NMLS requirements. Flags format and field errors before filing.

  • Defensible reconciliation. Principal vs facilitation and wallet↔transmission bridges with immutable audit trails.

  • Exam-ready evidence. One-click binder with summaries, manifests, and receipts.

Deadline-Aware Operating Model

MSB Reports operates on a deadline-aware model aligned to NMLS and state filing calendars:

  • Readiness Booster (T-30). Clears critical exceptions with escalated staffing when ≤30 days to deadline.

  • Rush SLAs. Escalated priority for compressed timelines.

  • Complexity Packs. Scale for multiple processors, multi-state licenses, or agent roll-ups.

Publish on schedule
Publish on schedule

Regulatory Reporting Boundary

MSB Reports is a non-signing, last-mile regulatory reporting solution.

  • We assemble, reconcile, pre-validate, and export your Money Service Business reports to acceptance-ready quality.

  • You retain signing authority and file directly with NMLS and state regulators.

  • We do not act as a filing agent, handle EDGAR/iXBRL, or manage regulatory correspondence.

Who MSB Reports Serves

Licensed Money Service Businesses with recurring quarterlies and state exams

License types

  • Money transmitters

  • Check cashers

  • Currency dealers/exchangers

  • Prepaid access providers

  • Stored value issuers

Key decision-makers

  • CFO/Controller accountable for first-pass acceptance, timeliness, and financial accuracy

  • Compliance/BSA Officer responsible for regulatory filings, audit defense, and partner diligence

Operational profile:

  • Data spread across GL/ERP, processors, payout networks, AML/KYC systems

  • Filing obligations in ≥1 U.S. state with quarterly NMLS Call Report requirements

  • Material consequence for rejections or exam findings (fees, delays, partner risk)

How It Works

How MSB Reports Works—Your Quarterly Process

Data Collection & Reconciliation
MSB Reports automatically reconciles principal vs facilitation and wallet vs transmission flows.
Rule-Aware Pre-Validation
State-aware rules and NMLS validations flag Section II(b) errors early with regulator-style phrasing.
Evidence Assembly & Approval
Control summaries, distribution manifests, and immutable logs assemble automatically.
Submission & Receipt Capture
MSB Reports exports acceptance-ready files for NMLS submission. Time-stamped receipts confirm on-time delivery.

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What Customers Say

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Founder, Incommon Projects

Frequently Asked Questions

Does MSB Reports file our NMLS Call Report for us?
What if our data is spread across multiple systems
How long does implementation take?
What states are supported?
What happens if we miss the T-30 window for Readiness Booster?
What is our processors or state footprint changes?
Do you guarantee first-pass acceptance?