Compliance Templates Built for Money Services Businesses
Audit-ready AML program packages based on FinCEN examination requirements. Download, fill in your business details, and have a complete compliance program — without the $5,000 consultant fee.
The compliance gap facing small MSBs
Every registered MSB is legally required to maintain a written AML compliance program under 31 CFR 1022.210. Most can't afford the consultants who build them.
The consultant price tag
Compliance consultants charge $5,000–$15,000 to build a custom AML program. Most small MSBs — check cashers, remittance shops, crypto kiosks — don't have that in the budget.
Templates built for your MSB type
Free FINRA and FFIEC templates are built for broker-dealers and banks. The rules are different for MSBs — different SAR thresholds, different exemption rules, different regulatory requirements.
Hours of regulatory research
Building from scratch means reading the BSA/AML Examination Manual, 31 CFR Part 1022, IRS IRM 4.26.9, and FinCEN guidance — then assembling it into a coherent compliance program.
KYCReporting.com closes this gap — professionally built, exam-aligned templates priced for small MSBs, ready in minutes.
Complete compliance packages, ready in minutes
Each package includes every document your AML program requires — written, formatted, and traceable to specific federal regulatory requirements.
- Exam-aligned structure Organized exactly as IRS Title 31 examiners expect — the four pillars of 31 CFR 1022.210 built into every document.
- MSB type-specific Separate packages for money transmitters, check cashers, crypto/VASP operators, and money order businesses — each with the right rules applied.
- Editable Word documents Fill-in fields highlighted in gold throughout. Drop in your business name, compliance officer, state, and you have a complete program.
- Regulatory citations throughout Every section cites the specific CFR section or FinCEN guidance it implements. No guessing whether something is compliant.
Money Transmitter Package — 10 Documents
Choose your compliance package
Each package is built for a specific MSB registration type, with the correct regulations, exemptions, and required documents applied.
Money Transmitter Compliance Package
For money transmitters, payment processors, P2P platforms, and remittance services. Includes SAR procedures and Travel Rule compliance.
Check Casher / Currency Exchanger Package
For check cashing businesses and foreign currency exchange operations. Reflects the SAR exemption under 31 CFR 1022.320.
Crypto / VASP Compliance Package
For crypto ATM operators, virtual asset exchanges, and blockchain businesses. Includes blockchain analytics policy and BitLicense supplement.
Money Order / Prepaid Access Package
For convenience stores, grocers, and gas stations selling money orders or prepaid access products. Focused on monetary instrument recordkeeping.
Built on real regulatory requirements
Every section of every document is traceable to a specific federal regulatory requirement. These are not generic templates — they are structured around what IRS Title 31 examiners are required to evaluate.
1022.210
AML Program Requirement
The four-pillar rule requiring every MSB to maintain a written AML program: policies & procedures, compliance officer, employee training, and independent review.
Exam Manual
BSA/AML Examination Manual for MSBs
The 2008 FinCEN examination manual for MSBs guides the structure and scope of every document in our packages — organized exactly as examiners will review it.
4.26.9
IRS Examination Techniques
IRS Internal Revenue Manual chapter 4.26.9 covers Title 31 examination procedures. Our templates are structured to satisfy the examination criteria documented here.
1010
General Provisions & OFAC
CTR rules (31 CFR 1010.311), Travel Rule (31 CFR 1010.410(f)), Monetary Instrument Log (31 CFR 1010.415), and OFAC screening requirements — all built in.
Don't wait for the examination letter
Over 30,000 MSBs are registered with FinCEN. IRS Title 31 examinations are unannounced. Is your written AML compliance program ready?
Get Your Compliance Package →Instant download · Editable Word documents · Based on FinCEN guidance