DINEX's activities are closely regulated and monitored by state
and federal agencies. Federal regulations classify money transmitters such as the
Company as an MSB and thereby impose certain obligations.
It is the policy of DINEX to comply with all applicable laws in
the discharge of its functions as money transmitter. The Company has created controls,
policies and procedures to ensure to comply with all applicable anti-money laundering
laws and regulations, including but not limited to Currency and Foreign Transactions
Reporting Act, also known as the Bank Secretary Act (“BSA”). Also as required by the
FinCEN (Financial Crimes Enforcement Network). A strict legal compliance program
specialized in anti-money laundering has also been developed and implemented. The
Company’s policies and procedures and the anti-money laundering program, are annually
reviewed by an independent consulting firm, to meet pre-set parameters of compliance, in
accordance with established industry standards.
DINEX developed within the company a specialized Compliance
Department. The main function of the Compliance Department is to overseeing day-to-day
operation of the Company Compliance Program, verifying all company’s internal controls
are implemented as well as the policies and procedures developed are followed.
Compliance with anti-money laundering laws are achieved through knowledge of, and good
faith commitment to, the legal and regulatory schemes applicable to the Company’s
operation.
DINEX is registered as a Money Services Business (MSB) with the
Financial Crimes Enforcement Network (FinCEN). The appointed Compliance Officer and
several executives are certified by the Association of Certified Anti-Money Laundering
Specialists (ACAMS).
TEXAS FINANCE CODE CHAPTER 151
http://www.statutes.legis.state.tx.us/Docs/FI/htm/FI.151.htm
BANK SECRECY ACT
https://www.fincen.gov/resources/statutes-regulations/fincens-mandate-congress
USA PATRIOT ACT
https://www.gpo.gov/fdsys/pkg/PLAW-107publ56/pdf/PLAW-107publ56.pdf
TEXAS FINANCE CODE CHAPTER 271
http://www.statutes.legis.state.tx.us/Docs/LG/htm/LG.271.htm
NOTICE
If you have a complaint, first contact
the consumer
assistance division of:
Kwik Dollar LLC – DINEX
At Toll Free 1-888-993-4639
If you still have an unresolved complaint
regarding the
company's money transmission activity, please direct your complaint to:
Texas Department of Banking-Non-Depository
2601 North Lamar Boulevard – Suite 300
Austin, Texas 78705 - 4294
Telephone Number: 1-877-276-5554 (toll Free)
Fax Number: 512-475-1288
E-mail Address: msb@dob.texas.gov
Website Address: www.dob.texas.gov
NOTICE
If you have a complaint, first contact Our Customer Service Department at:
Kwik Dollar LLC DBA Dinex, Envios.com
At 281-657-8431 or 1-888-993-4639
If you still have an unresolved complaint regarding our activities in the following states, please direct your complaint to:
-
Texas Consumer
-
Texas
Department of Banking-Non-Depository Supervision Division
2601 North Lamar
Boulevard – Suite 300
Austin, Texas 78705 -
4294
Teléfono: 1-877-276-5554
(línea gratuita)
Fax: 512-475-1313
E-mail: msb@dob.texas.gov
Website: www.dob.texas.gov
-
California Consumer
-
If you have complaints with respect to any aspect of the money transmission activities conducted
at this location, you may contact the Department of Financial Protection and Innovation (DFPI)
at its toll-free telephone number, 1-866-275-2677, by e-mail at
ASK.DFPI@dfpi.ca.gov,
or by mail at the Department of Financial Protection and Innovation, Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834.
-
Colorado Consumer
-
Colorado Division of Banking
1560
Broadway, Ste. 975
Denver,
Colorado 80202
Email:
DORA_BankingWebsite@state.co.us
Website:
banking.colorado.gov/industry/money-transmitters
Claim Notice – Colorado Consumer
-
Maryland Customers
-
Maryland Office of Financial Regulation
Online: https://www.labor.maryland.gov/finance
Phone:
410-230-6077
By mail:
Office of Financial Regulation
Attention: Consumer Services Unit
100 S. Charles Street Tower 1
Suite 611, Baltimore, MD 21201
Maryland Consumer Compliant Notice:
The Office of Financial Regulation of the State of Maryland will accept all questions
or complaints from Maryland residents regarding Kwik Dollar LLC DBA Dinex, Envios.com, NMLS
ID 938353 at 100 S. Charles Street Tower 1, Suite 5300, Baltimore, MD 21201 or 410-230-6077.
-
Arkansas Customers
-
After first contacting Kwik Dollar LLC DBA Dinex, Envios.com, if you still have an unresolved complaint regarding the company’s money transmission activity, please direct your complaint to the Arkansas Securities Department at:
- 1 Commerce Way, Suite 402
- Little Rock, Arkansas 72202
- Telephone Number: (501) 324-9260
- Toll Free: (800) 981-4429
-
Colorado Customer
-
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 the Money Transmitter who processed your transaction 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, Colorado 80202
email: DORA_BankingWebsite@state.co.us sitio
website: 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.
-
Washington Customers
-
Complaints concerning money transmission (including currency exchange) may be filed with the State of Washington Department of Financial Institutions by using any one of the methods below:
CSEnforceComplaints@dfi.wa.gov
Online: http://www.dfi.wa.gov
-
New York Customers
-
New York Department of Financial Services
Consumer Services Division
One State Street
New York, NY 10004-1417
Phone:
1-800-342-3736
Website:
http://www.dfs.ny.gov
By mail:
New York State Department of Financial Services
Consumer Services Division
One State Street
New York, NY 10004-1417