# RemittancePulse Reg E Rights Checker

> 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.

## Facts

- Endpoint: GET https://remittancepulse.vercel.app/api/remit/rights
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/remittancepulse-reg-e-rights-checker-14531703
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ftsLzx7Cwc1cb63s19hyn

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability remittancepulse-reg-e-rights-checker-14531703
```

Example prompt: I sent $300 to my mom in Mexico via Remitly on May 1st and it was supposed to arrive by May 3rd but never did — can you check my Reg E rights, specifically whether I can demand a refund of the transfer fees and taxes, and what the deadline is to file an error claim?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "issue"
 ],
 "properties": {
  "issue": {
   "type": "string",
   "description": "never_arrived | arrived_late | arrived_short | wrong_person_paid | sender_typo_number | want_to_cancel | scam_recipient | want_documentation"
  },
  "provider": {
   "type": "string",
   "description": "Western Union, Wise, Remitly, MoneyGram, Xoom…"
  },
  "fees_paid": {
   "type": "string",
   "description": "Fees paid USD"
  },
  "principal": {
   "type": "string",
   "description": "Transfer amount USD"
  },
  "sender_state": {
   "type": "string",
   "description": "Your state (CA adds Fin. Code §2102)"
  },
  "date_available": {
   "type": "string",
   "description": "Disclosed Date Available from your receipt (YYYY-MM-DD)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/remittancepulse-reg-e-rights-checker-14531703/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from remittancepulse.vercel.app](https://www.zero.xyz/host/remittancepulse.vercel.app/llms.txt)