US Licenses and Disclosures
Licenses
Layer2 Financial Inc. is a Delaware C-corp, with offices in Miami, FL.
Layer2 is a FINCEN registered money service business (NMLS ID: 2438695).
| State | License | State Agency |
|---|---|---|
| Alaska | Money Transmitter License | Department of Commerce, Community and Economic Development Division of Banking & Securities 550 West 7th, Suite 1850 Anchorage, Alaska 99501 |
| Arizona | Money Transmitter License | Arizona Department of Financial Institutions 2910 N. 44th Street, Suite 310 Phoenix, AZ 85018 |
| Arkansas | Money Transmitter License | Arkansas Securities Department Heritage West Building, Suite 300 201 East Markham Street Little Rock, AR 72201-1692 |
| Colorado | Money Transmitter License | Colorado Division of Banking 1560 Broadway, Suite 975 Denver, CO 80202 |
| Connecticut | Money Transmitter License | Connecticut Department of Banking Consumer Credit Division 260 Constitution Plaza Hartford, CT, 06103-1800 |
| Delaware | Check Seller, Money Transmitter License |
Office of the State Bank Commissioner 555 E. Lookerman Street, Suite 210 Dover, DE 19901 |
| District of Columbia | Check Seller, Money Transmitter License | Department of Insurance, Securities, and Banking 810 First Street, NE, Suite 701 Washington, District of Columbia 20002 |
| Guam | Money Transmitter License | Department of Revenue and Taxation Government of Guam P.O. Box 23607 Barrigada,Guam 96921 |
| Iowa | Money Services License | State of Iowa Division of Banking 200 E. Grand Avenue, Suite 300 Des Moines, Iowa 50309 |
| Illinois | Money Transmitter License | Illinois Department of Financial and Professional Regulation 320 West Washington Street Springfield, IL 62786 |
| Kansas | Money Transmitter License | Kansas Office of the State Bank Commissioner 700 SW Jackson Street, Suite 300 Topeka, KS 66603 |
| Kentucky | Money Transmitter License | Kentucky Department of Financial Institutions 1025 Capital Center Drive, Suite 200 Frankfort, KY 40601 |
| Louisiana | Sale of Checks and Money Transmitters | Louisiana Office of Financial Institutions Post Office Box 94095 Baton Rouge, LA 70804-9095 |
| Maine | Money Transmitter License | Department of Professional & Financial Regulation Bureau of Consumer Credit Protection 76 Northern Avenue Gardiner, ME 04345 |
| Maryland | Money Transmitter License | Maryland Commissioner of Financial Regulation 500 North Calvert Street, Suite 402 Baltimore, Maryland 21202 |
| Michigan | Money Transmitter License | Michigan Department of Insurance and Financial Institutions Post Office Box 30220 Lansing MI 48909-7720 |
| Mississippi | Money Transmitter License | Mississippi Department of Banking and Consumer Finance 501 N. West Street 901 Woolfolk Building Suite A Jackson, MS 39225-3729 |
| Missouri | Sale of Checks, Money Transmitter License |
Missouri Division of Finance Truman State Office Building Room 630, Jefferson City, MO 65102 |
| Nebraska | Money Transmitter License | Nebraska Department of Banking & Finance 1526 K Street, Suite 300 Lincoln, NE 68508-2732 |
| New Hampshire | Money Transmitter License | New Hampshire Banking Department 53 Regional Drive, Suite 200 Concord NH 03301 |
| New Mexico | Money Transmission License | New Mexico Financial Institutions Division 2550 Cerrillos Road, 3rd Floor Post Office Box 25101 (87504) Sante Fe, NM 87505 |
| North Carolina | Money Transmitter License | North Carolina Commissioner of Banks 316 W. Edenton Street Raleigh, NC 27603 |
| North Dakota | Money Transmitter License | North Dakota Department of Financial Institutions 2000 Schafer Street, Suite G Bismark, ND 58501 |
| Ohio | Money Transmitter License | Division of Financial Institutions 77 South High Street, 21st Floor Columbus, Ohio 43215-6120 58501 |
| Oklahoma | Money Transmitter License | Oklahoma State Banking Department 2900 North Lincoln Boulevard Oklahoma City, OK 73105 |
| Oregon | Money Transmitter License | Oregon Department of Consumer and Business Services Division of Finance and Corporate Securities Post Office Box 14480 Salem, Oregon 97309-0405 |
| Puerto Rico | Money Transmitter License | Puerto Rico Office of the Commissioner of Financial Institutions at: Office of the Commissioner of Financial Institutions 1492 Ponce de Leon Avenue, Suite 600 Centro Europa Building San Juan, PR 00907 (307) 777-6605 |
| South Carolina | Money Transmitter License | Office of the Attorney General Money Services Division 10000 Assembly Street Columbia, SC 29201 |
| South Dakota | Money Transmitter License | South Dakota Department of Labor and Regulation Division of Banking 1601 N. Harrison Avenue, Suite 1 Pierre, South Dakota 57501 |
| Virginia | Money Order Seller and Money Transmitter License | Bureau of Financial Institutions State Corporation Commission 1300 East Main Street, Suite 800 Post Office Box 640 Richmond, Virginia 23218 |
| West Virginia | Money Transmitter License | West Virginia Division of Financial Institutions 900 Pennsylvania, Suite 306 Charleston, WV 25302 |
| Wyoming | Money Transmitter License | Wyoming Department of Audit Hathaway Building 2300 Capitol Ave., 2nd Floor Cheyenne, WY 82002 |
Disclosures
| State | Disclosure |
|---|---|
| Alaska | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If your issue is unresolved by Layer2 Financial Inc. (AKMT-016936), please submit formal complaints with the State of Alaska, Division of Banking & Securities. Formal complaints must be in writing, please download the form here. Formal complaint forms may be submitted via: Fax: 907-465-1230 Email: msb_licensing@alaska.gov Mail: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807 If you have questions regarding formal complaints, please call 1-907-465-2521. |
| Arizona | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, you may complete an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page https://difi.az.gov/complaint |
| Arkansas | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, you may file a complaint form here Further questions can be asked via: Email: ASDInfo@securities.arkansas.gov Mail: 1 Commerce Way, Suite 402, Little Rock, Arkansas 72202 Telephone: (501) 324-9260 Fax: (501)324-9268 |
| California (OTHER THAN ECOMMERCE) |
If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Layer2 Financial Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Layer2 Financial Inc. at support@layer2financial.com or 201 S. Biscayne Boulevard, 28th Floor, Miami, FL 33131. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to section 2102 of the California Financial Code. If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, online at https://docqnet.dfpi.ca.gov/complaint/, or by mail at the Department of Financial Protection and Innovation, Attn: Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834. |
| Colorado | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. Colorado State Banking Commissioner CUSTOMER NOTICE Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit, are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes. If you have a Question about or Problem with YOUR TRANSACTION – THE MONEY YOU SENT You must contact Layer2 Financial at support@layer2financial.com for assistance. The Division of Banking does not have access to this information. If you are a Colorado Resident and have a Complaint about THE MONEY TRANSMITTER – THE COMPANY THAT SENT YOUR MONEY All complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at: Colorado Division of Banking 1560 Broadway, Suite 975 Denver, CO 80202 Email: DORA_BankingWebsite@state.co.us Website: https://banking.colorado.gov/industry/money-transmitters Section 11-110-120, C.R.S. requires that money transmitters and money order companies post this notice in a conspicuous, well-lighted location visible to customers. Colorado Money Transmitter Customer Notice |
| District of Columbia | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, you may file it by contacting the Department at District of Columbia Department of Insurance, Securities and Banking 1050 First St., NE, Suite 801 Washington, DC 20002 Phone: (202) 727-8000 Fax: (202) 354-1085 Consumer Complaint Form Mail-in Version |
| Florida | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. Unresolved consumer complaints regarding Layer2 Financial Inc. services may be directed to the Florida Office of Financial Regulation, please contact, or send correspondence to: Florida Office of Financial Regulation 200 E. Gaines Street Tallahassee, FL 32399-0376 Toll-Free Number: 1-800-848-3792 |
| Idaho | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. Idaho Unresolved consumer complaints regarding Layer2 Financial Inc.’s services may be directed to the Idaho Department of Finance. Formal complaints must be in writing, please download the form here: https://id.accessgov.com/finance-complaints/Forms/Page/finance-complaints/online-complaints/1 Formal complaint forms may be submitted via: Email: securities@finance.idaho.gov Mail: Idaho Department of Finance 11341 West Chinden Blvd. Building 4, Floor 3 Boise, ID 83714 If you have questions regarding formal complaints, please call 1-888-346-3378 |
| Illinois | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc. money transmission activity, you may file it by contacting the Illinois Division of Banking at: Illinois Division of Banking 320 West Washington Street, Springfield, IL 62786 Toll-Free Number: 1-888-473-4858 |
| Kansas | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, you may file it by contacting the Office of the State Bank Commissioner.If submitting electronically, submit your complaint here: https://www.osbckansas.org/consumers/file-a-complaint/ Mail or fax the completed consumer assistance form and attachments to: Kansas Office of the State Bank Commissioner Attn: Consumer Affairs 700 SW Jackson St, Suite 300 Topeka, KS 66603 Fax: (785) 371-1229 Email: complaints@osbckansas.org |
| Louisiana | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. Please note the money transmitter license issued to Layer2 Financial Inc. by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency. |
| Maryland | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc's money transmission activity, you may file it by contacting the Maryland Department of Labor. The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding [NMLS ID: 2438695] by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, or (888) 784-0136. Additional information about Layer2 Financial Inc. may be obtained at www.nmlsconsumeraccess.org |
| Minnesota | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. Consumer Fraud Warning Layer2 Financial Inc. complies with money laundering and terrorist financing legislation. We report all suspicious transactions. Layer2 Financial Inc. is committed to working with you to find a fair and equitable resolution to any concerns that you may have about our products and services. If you did not conduct this transaction, or if you feel this transaction is in error or fraudulent, please contact Layer2 Financial Inc. at 1-800-270-8770, or support@layer2financial.com. You have the right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1-800-270-8770, www.layer2financial.com or support@layer2financial.com. You can also contact us for a written explanation of your rights. You may also submit a complaint to the Minnesota Department of Commerce by phone at (651) 539-1500 or by mail at Main Office, Golden Rule Building, 85 7th Place East, Suite 280, Saint Paul, MN 55101, or contact the Consumer Financial Protection Bureau for questions or complaints about Layer2 at https://www.consumerfinance.gov/ or by phone at (855) 411-2372. |
| Mississipi | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting them directly to allow them the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, you may file a complaint online at https://dbcf.ms.gov/complaint-form/ |
| New York | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.'s money transmission activity, you may file it by contacting the New York State Department of Financial Services at: New York State Department of Financial Services Consumer Services Division One State Street New York, NY 10004-1417 Tel: 1-877-BANK-NYS (1-877-226-5697) Website: http://www.dfs.ny.gov/consumer/fileacomplaint.htm |
| Pennsylvania | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.'s money transmission activity, you may file it by contacting the Pennsylvania Department of Banking and Securities at the following address: Pennsylvania Department of Banking and Securities Market Square Plaza 17 N. Second Street, Suite 1300 Harrisburg, PA 17101 Toll-free in Pennsylvania 1.800.PA.BANKS (800.722.2657). Out of state: 717.787.1854 If the consumer receives a paper receipt this information should appear on the receipt. If the consumer receives a receipt through a website/mobile app; the information should appear on the website/mobile app. |
| Texas | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, please direct your complaint to: Texas Department of Banking 2601 North Lamar Boulevard Austin, Texas 78705 1-877-276-5554 (toll free) https://www.dob.texas.gov |
| Washington | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. If you still have an unresolved complaint regarding Layer2 Financial Inc.’s money transmission activity, please direct your complaint to the Washington Division of Consumer Services at: Washington Division of Consumer Services Online: https://dfi.wa.gov/file-complaint Mail or fax: https://dfi.wa.gov/sites/default/files/money-services-complaint.pdf Call: (360) 902-8703 or 1-877-RING DFI (1-877-746-4334). Email us: CSEnforceComplaints@dfi.wa.gov. |
| Virginia | If you have a complaint, please contact Layer2 Financial Inc. at 1-800-270-8770, at support@layer2financial.com, or via Contact Us. Layer2 Financial Inc. is licensed by the Virginia State Corporation Commission as a money transmitter. Bureau of Financial Institutions State Corporation Commission 1300 East Main Street, Suite 800 P.O. Box 640 Richmond, Virginia 23218-0640 |
Sample Receipt
Layer2 Financial Inc.
201 S. Biscayne Boulevard,
28th Floor,
Miami, FL 33131
1- 800-270-8770
layer2financial.com
Date and Time of Transaction:
Confirmation Number: (this is a unique transaction identifier)
Description of Goods/Services Purchased
Transaction or Transfer Amount: $0.00 USD
Fee Amount: $0.00 USD
Total Purchase Amount: $0.00 USD [or other currency]
Name of Sender, Street Address, City, State, Zip (telephone number if available)
Name of Layer2 Financial Inc. unique transaction identifier (account # / access device used) and type of transfer:
Merchant Name, Street Address, City, State, Zip telephone number (if applicable)
P2P Recipient Name, Street Address, City, State, Zip, telephone number (if applicable)
You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Layer2 Financial Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the merchant or person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.
For customer assistance, please contact: 1- 800-270-8770 toll-free.
You have the right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1-800-270-8770 or layer2financial.com. You can also contact us for a written explanation of your rights.