{"id":194,"date":"2020-04-06T23:13:05","date_gmt":"2020-04-06T23:13:05","guid":{"rendered":"https:\/\/sites.sandiego.edu\/cpil-blog\/?p=194"},"modified":"2020-04-06T23:13:05","modified_gmt":"2020-04-06T23:13:05","slug":"department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption","status":"publish","type":"post","link":"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/","title":{"rendered":"Department of Business Oversight Proposes New Regulations to Implement the California Money Transmission Act Regarding the Agent Of Payee Exemption"},"content":{"rendered":"<h3>By James D. Colleran<\/h3>\n<p>On March 6, 2020, the Department of Business Oversight (DBO) published<a href=\"https:\/\/perma.cc\/Y2U8-6TC2\"> notice<\/a> of its intent to adopt sections 80.126.10, 80.126.20, 80.126.30, 80.128, 80.128.10, and 80.130 of Title 10 of the California Code of Regulations (CCR) to establish rules that more clearly define the \u201cagent of payee exemption\u201d found under the state\u2019s Money Transmission Act (MTA), which is set forth in the proposed <a href=\"https:\/\/perma.cc\/RE8Q-9KTN\">text<\/a>. According to the <a href=\"https:\/\/perma.cc\/5NAJ-LAV8\">initial statement of reasons<\/a>, the proposed regulations constitute an effort by DBO to clarify the scope of the agent of payee exemption to enhance confidence among members representing the money transmitter industry and to bolster governmental transparency and public participation in the rulemaking process. The initial statement of reasons further states that DBO\u2019s proposed rulemaking is a response to the extensive confusion experienced by money transmitters in attempting to comply with the agent of payee exemption, which resulted in DBO receiving \u201cnumerous requests for interpretive opinions seeking guidance on how the exemption applies to business models where multiple entities facilitate the settlement of funds for payment.\u201d<\/p>\n<p>According to DBO\u2019s notice, the legislature adopted the agent of payee exemption under the MTA with the enactment of <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=201320140AB2209\">AB 2209 (Dickinson) (Chapter 499, Statutes of 2014)<\/a>, creating an exception to money transmitter licensing requirements for \u201cagents appointed by a payee to receive funds on behalf of the payee.\u201d In order to obtain an exemption, an agent and a payee must enter into a written agreement guaranteeing that a payor\u2019s payment to the agent for goods or services is in accordance with the payor\u2019s payment obligation to the payee. As defined in AB 2209, a payor is a \u201cperson owing payment to a payee for a good or a service,\u201d while a payee is \u201ca person who is owed payment from the payor for providing a good or a service.\u201d<\/p>\n<p>According to DBO\u2019s proposed rulemaking text, the Department proposes amending the definition of \u201cpayor\u201d to mean \u201cthe direct or indirect recipient of goods or services,\u201d and amending the definition of \u201cpayee\u201d \u00a0to mean \u201cthe direct or indirect provider of goods or services, who is owed payment of money or other monetary value.\u201d Furthermore, DBO\u2019s initial statement of reasons states that the proposed regulation clarifies that \u201csuccessive agents (can) facilitate the settlement of funds for payment,\u201d and that the agent of payment exemption does not apply to stored-value transactions, which is \u201cpre-funded monetary value that is available for later use.\u201d<\/p>\n<p>DBO has not scheduled a hearing at this writing but is accepting public comments on the proposed regulations until April 20, 2020. Comments may be submitted as follows:<\/p>\n<p>Department of Business Oversight<br \/>\nAttn: Pamela Hernandez<br \/>\nOne Sansome Street, Suite 600<br \/>\nSan Francisco, CA 94104<br \/>\nElectronic Mail: regulations@dbo.ca.gov<span style=\"font-weight: 300\">Facsimile: (415) 288-8830<\/span><\/p>\n<p>&nbsp;<\/p>\n<a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-facebook nolightbox\" data-provider=\"facebook\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Facebook\" href=\"https:\/\/www.facebook.com\/CPILUSD\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px;margin-right:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"Facebook\" title=\"Follow us on Facebook\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/facebook.png\" \/><\/a><a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-twitter nolightbox\" data-provider=\"twitter\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Twitter\" href=\"https:\/\/twitter.com\/cpilusd\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"twitter\" title=\"Follow us on Twitter\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/twitter.png\" \/><\/a>","protected":false},"excerpt":{"rendered":"<p>By James D. Colleran On March 6, 2020, the Department of Business Oversight (DBO) published notice of its intent to adopt sections 80.126.10, 80.126.20, 80.126.30, 80.128, 80.128.10, and 80.130 of Title 10 of the California Code of Regulations (CCR) to <a class=\"more-link\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1013,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[132948,134326],"tags":[134329,134330,132950,134332,134327,134328,134331],"coauthors":[132864],"class_list":["post-194","post","type-post","status-publish","format-standard","hentry","category-department-of-business-oversight","category-rulemaking-department-of-business-oversight","tag-ab-2209","tag-agent-of-payee-exemption","tag-dbo","tag-money-transfer","tag-mta","tag-payee-exemption","tag-regulations"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Department of Business Oversight Proposes New Regulations to Implement the California Money Transmission Act Regarding the Agent Of Payee Exemption - Consumer Protection Policy Center - Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:locale\" content=\"en_US\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:type\" content=\"article\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:title\" content=\"Department of Business Oversight Proposes New Regulations to Implement the California Money Transmission Act Regarding the Agent Of Payee Exemption - Consumer Protection Policy Center - Blog\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:description\" content=\"By James D. Colleran On March 6, 2020, the Department of Business Oversight (DBO) published notice of its intent to adopt sections 80.126.10, 80.126.20, 80.126.30, 80.128, 80.128.10, and 80.130 of Title 10 of the California Code of Regulations (CCR) to Continue reading &rarr;\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:site_name\" content=\"Consumer Protection Policy Center - Blog\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-06T23:13:05+00:00\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"author\" content=\"Katie Gonzalez\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" class=\"yoast-seo-meta-tag\" \/>\n\t<meta name=\"twitter:data1\" content=\"Katie Gonzalez\" class=\"yoast-seo-meta-tag\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" class=\"yoast-seo-meta-tag\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" class=\"yoast-seo-meta-tag\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\"},\"author\":{\"name\":\"Katie Gonzalez\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/#\/schema\/person\/fdc87a266320b80c7a790bdc2a17df69\"},\"headline\":\"Department of Business Oversight Proposes New Regulations to Implement the California Money Transmission Act Regarding the Agent Of Payee Exemption\",\"datePublished\":\"2020-04-06T23:13:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\"},\"wordCount\":467,\"commentCount\":0,\"keywords\":[\"AB 2209\",\"agent of payee exemption\",\"DBO\",\"money transfer\",\"MTA\",\"payee exemption\",\"regulations\"],\"articleSection\":[\"Department of Financial Protection and Innovation\",\"Rulemaking\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\",\"url\":\"https:\/\/sites.sandiego.edu\/cpil-blog\/2020\/04\/06\/department-of-business-oversight-proposes-new-regulations-to-implement-the-california-money-transmission-act-regarding-the-agent-of-payee-exemption\/\",\"name\":\"Department of Business Oversight Proposes New Regulations to Implement the California Money Transmission Act Regarding the Agent Of Payee Exemption - 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