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RemittancePulse Reg E Rights Checker
x402
RemittancePulse Reg E Rights Checker is a paid API for AI agents from remittancepulse.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).
Determines a sender's legal rights under Reg E Subpart B (12 CFR 1005.30–.36) for a specific remittance transfer, including error dispute windows, cancellation rights, refund options, and provider liability rules.
Price / call$0.05
Success—
StatusUnknown
How this service works
Remittance-transfer rights check (Reg E Subpart B, 12 CFR 1005.30-.36) — the rights senders never use: 180-day error window from the disclosed Date Available, sender's-choice refund-or-resend within 1 business day, mandatory fee+tax refund on late/never-arrived transfers, the 30-minute full-refund cancellation, and the five-prong §1005.33(h) rebuttal when a provider blames your typo. Deterministic deadline math, scope gates, honest-no for scams/business senders/crypto. No LLM.
Output
Returns a structured legal-rights determination covering: whether the transfer is in-scope under Reg E Subpart B, the precise 180-day error dispute deadline calculated from the disclosed Date Available, whether the 30-minute cancellation right applies, which remedy the sender can elect (refund vs resend within 1 business day), whether fee and tax refunds are mandatory, and a five-prong §1005.33(h) provider-rebuttal analysis if the provider is attributing the error to the sender. Includes honest out-of-scope flags for scams, business senders, and crypto transfers.
Example use cases
Late transfer fee refund claim
“I wired $500 to my brother in the Philippines through Western Union on June 10th with a disclosed available date of June 12th, but the money didn't arrive until June 16th — do I have the right to get my transfer fees and taxes refunded, and how do I invoke it?”
30-minute cancellation window check
“I just sent a $200 remittance to Colombia through Wise about 20 minutes ago and I want to cancel it — am I still within the window to get a full refund, and what exactly does the provider have to do?”
Provider blaming sender typo dispute
“MoneyGram is saying my transfer to Nigeria failed because I entered the wrong account number and it's my fault, so they won't refund me — but I copied the number from the recipient's bank statement. Can you tell me if I have a §1005.33(h) rebuttal and what grounds I can use to push back?”
Technical details
Endpoint
GEThttps://remittancepulse.vercel.app/api/remit/rightsWhen to prefer
Choose this endpoint when a consumer sender needs deterministic, regulation-grounded answers about their specific Reg E Subpart B rights for an international remittance transfer — especially for error disputes, late arrivals, cancellation windows, and fee refund entitlements. Prefer this over a general LLM answer when legal accuracy and deadline math matter. Not suitable for business senders, crypto-only rails, or general remittance price comparison.
Side effects
- Transfer is out of scope (business sender, crypto rail, non-covered provider) — returns honest-no with reason
- Missing or invalid disclosed Date Available prevents deadline calculation
- Transfer amount or corridor data insufficient to determine coverage
- Provider name not recognized for scope-gate determination
- Request missing required transfer parameters returns validation error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| issuerequired | string | never_arrived | arrived_late | arrived_short | wrong_person_paid | sender_typo_number | want_to_cancel | scam_recipient | want_documentation |
| provider | string | Western Union, Wise, Remitly, MoneyGram, Xoom… |
| fees_paid | string | Fees paid USD |
| principal | string | Transfer amount USD |
| sender_state | string | Your state (CA adds Fin. Code §2102) |
| date_available | string | Disclosed Date Available from your receipt (YYYY-MM-DD) |
Output
Schema · Response
{
"type": "json",
"example": {}
}Tags
x402
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