就本分部而言：
(a)CA 金融 Code § 2003(a) “关联方”，当用于指特定人士时，系指直接或间接通过一个或多个中介机构控制该特定人士、受该特定人士控制或与该特定人士受共同控制的任何人士。就分部 (s) 和 (x) 而言，如果某特定人士通过直接或间接拥有占该特定人士表决权50%以上的股份或股权证券而控制、受控于或与另一人士受共同控制，则该特定人士与该另一人士存在关联关系。
(b)CA 金融 Code § 2003(b) “代理人”系指本身未在加利福尼亚州获得汇款机构许可，但代表持牌人提供加利福尼亚州汇款服务的人士，前提是持牌人自该人士收到款项或货币价值之时起对该汇款服务承担责任。但是，“代理人”不包括持牌人的任何高级职员或雇员在持牌人办事处以该身份行事的情况。
(c)CA 金融 Code § 2003(c) “申请人”系指根据本分部提交许可申请或收购持牌人控制权申请的人士。
(d)CA 金融 Code § 2003(d) “日均未偿付额”系指在给定时间段内，加利福尼亚州每日结束时未偿付的汇款义务金额，将这些金额相加，然后除以该时间段内的总天数。
(e)CA 金融 Code § 2003(e) “分支机构”系指持牌人或代理人在本州设立的任何办事处，持牌人在此办事处直接或通过代理人接收款项或货币价值以提供汇款服务。
(f)CA 金融 Code § 2003(f) “营业日”系指以下之一：
(1)CA 金融 Code § 2003(f)(1) 当用于指在本州进行的任何行为时，系指除星期六、星期日或《政府法典》中规定为假日的任何其他日子之外的任何一天。
(2)CA 金融 Code § 2003(f)(2) 当用于指在除本州以外的任何司法管辖区进行的任何行为时，系指除根据该司法管辖区法律规定为法定假日的日子之外的任何一天。
(g)CA 金融 Code § 2003(g) “专员”系指金融保护和创新专员。
(h)CA 金融 Code § 2003(h) “控制”具有第1250节中规定的含义。
(i)CA 金融 Code § 2003(i) “日”系指日历日。
(j)CA 金融 Code § 2003(j) “电子商务”系指通过移动应用程序或互联网网站发起商品或服务支付的任何交易。
(k)Copy CA 金融 Code § 2003(k)
(1)Copy CA 金融 Code § 2003(k)(1) “在加利福尼亚州”或“在本州”系指实际位于加利福尼亚州。
(2)CA 金融 Code § 2003(k)(2) 对于通过电子方式或电话请求的交易，汇款服务提供商可以通过依赖该人士提供的关于个人住宅地址或商业实体主要营业地点或其他实际地址位置的其他信息，以及汇款服务提供商可能拥有的与该人士相关的、表明该位置的任何记录（包括但不限于与账户关联的地址）来确定请求交易的人士是否在本州。
(l)CA 金融 Code § 2003(l) “发行”和“发行人”就支付工具而言，系指根据《加利福尼亚州商法典》作为该工具的制作人或出票人并承担支付责任的实体。就储值而言，“发行”和“发行人”系指对储值持有人负有责任并已承诺或有义务支付储值的实体。只有持牌人才能发行储值或支付工具。
(m)CA 金融 Code § 2003(m) “关键个人”系指最终负责制定或指导持牌人政策和程序的自然人，包括执行官、经理、董事或受托人。
(n)CA 金融 Code § 2003(n) “持牌人”系指根据本分部获得许可的公司或有限责任公司。
(o)CA 金融 Code § 2003(o) “重大诉讼”系指根据美国公认会计原则，对申请人或持牌人的财务状况具有重要意义，并需要在申请人或持牌人的年度审计财务报表、致股东报告或类似记录中披露的诉讼。
(p)CA 金融 Code § 2003(p) “货币价值”系指一种交换媒介，无论是否可兑换成货币。
(q)CA 金融 Code § 2003(q) “款项”系指由美国或外国政府授权或采纳的交换媒介。该术语包括由政府间组织或两个或多个政府之间协议设立的货币记账单位。
(r)CA 金融 Code § 2003(r) “汇款服务”系指以下任何一种：
(1)CA 金融 Code § 2003(r)(1) 向位于本州的人士出售或发行支付工具。
(2)CA 金融 Code § 2003(r)(2) 向位于本州的人士出售或发行储值。
(3)CA 金融 Code § 2003(r)(3) 从位于本州的人士处接收款项以进行汇款。
(s)CA 金融 Code § 2003(s) “Multistate licensing process” means an agreement entered into by and among state regulators relating to coordinated processing of applications for money transmission licenses, applications for the acquisition of control of a licensee, control determinations, or notice and information requirements for a change of key individuals.
(t)CA 金融 Code § 2003(t) “NMLS” means the Nationwide Multistate Licensing System and Registry developed by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators and owned and operated by the State Regulatory Registry, LLC, or any successor or affiliated entity, for the licensing and registration of persons in financial services industries.
(u)CA 金融 Code § 2003(u) “Outstanding,” with respect to payment instruments and stored value, means issued or sold by the licensee in the United States and not yet paid or refunded by the licensee, or issued or sold on behalf of the licensee in the United States by its agent and reported as sold, but not yet paid or refunded by the licensee. “Outstanding,” with respect to receiving money for transmission means all money or monetary value received in the United States for transmission by the licensee or its agents but not yet paid to the beneficiaries or refunded to the person from whom the money or monetary value was received. All outstanding money transmission of a licensee is and shall remain a liability of the licensee until it is no longer outstanding.
(v)Copy CA 金融 Code § 2003(v)
(1)Copy CA 金融 Code § 2003(v)(1) “Payment instrument” means a check, draft, money order, traveler’s check, or other instrument for the transmission or payment of money or monetary value, whether or not negotiable.
(2)CA 金融 Code § 2003(v)(2) “Payment instrument” does not include any of the following:
(A)CA 金融 Code § 2003(v)(2)(A) A credit card voucher or letter of credit.
(B)CA 金融 Code § 2003(v)(2)(B) An instrument that is redeemable by the issuer for goods or services provided by the issuer, an affiliate of the issuer, or a franchisee of the issuer.
(C)CA 金融 Code § 2003(v)(2)(C) An instrument that is not sold to the public but issued and distributed as part of a loyalty, rewards, or promotional program.
(w)CA 金融 Code § 2003(w) “Person” means an individual, corporation, business trust, estate, trust, partnership, proprietorship, syndicate, limited liability company, association, joint venture, government, governmental subdivision, agency or instrumentality, public corporation or joint stock company, or any other organization or legal or commercial entity, provided, however, that “person,” when used with respect to acquiring control of or controlling a specified person, includes any combination of two or more persons acting in concert.
(x)CA 金融 Code § 2003(x) “Receiving money for transmission” or “money received for transmission” means receiving money or monetary value in the United States for transmission within or outside the United States by electronic or other means. The term does not include sale or issuance of payment instruments and stored value.
(y)CA 金融 Code § 2003(y) “Record” means information that is inscribed on a tangible medium or that is stored in an electronic or other medium and is retrievable in perceivable form.
(z)CA 金融 Code § 2003(z) “State” means a state of the United States, the District of Columbia, Puerto Rico, the United States Virgin Islands, or any territory or insular possession subject to the jurisdiction of the United States.
(aa)
(1)Copy CA 金融 Code § 2003(aa)(1) “Stored value” means monetary value representing a claim against the issuer that is stored on an electronic or digital medium and evidenced by an electronic or digital record, and that is intended and accepted for use as a means of redemption for money or monetary value or payment for goods or services.
(2)CA 金融 Code § 2003(aa)(2) “Stored value” does not include either of the following:
(A)CA 金融 Code § 2003(aa)(2)(A) A credit card voucher, letter of credit, or any stored value that is redeemable only by the issuer for goods or services provided by the issuer, an affiliate of the issuer, or a franchisee of the issuer, except to the extent required by applicable law to be redeemable for cash for its cash value.
(B)CA 金融 Code § 2003(aa)(2)(B) Stored value not sold to the public but issued and distributed as part of a loyalty, rewards, or promotional program.
(bb) “Traveler’s check” means an instrument that meets all of the following:
(1)CA 金融 Code § 2003(bb)(1) Is designated on its face by the term “traveler’s check” or by any substantially similar term or is commonly known and marketed as a traveler’s check.
(2)CA 金融 Code § 2003(bb)(2) Contains a provision for a specimen signature of the purchaser to be completed at the time of purchase.
(3)CA 金融 Code § 2003(bb)(3) Contains a provision for a countersignature of the purchaser to be completed at the time of negotiation.
(Amended by Stats. 2023, Ch. 463, Sec. 2. (AB 1116) Effective January 1, 2024.)
