Four components
Financial Condition, Transaction Activity, Permissible Investments, Destination-Country — all present and reconciled to the client's ledger, or the pack does not release.
The most rigorous NMLS MSB Call Report filing engine a multi-state money services business can use.
StateLine assembles a documentation-complete compliance pack — every quarterly Call Report, every renewal, every bond and net-worth threshold check, and every exam package — checked against each state's requirements before a specialist releases it.
Every state's NMLS MSB Call Report requirementsFour Call Report components, gate-checkedDHSMV · USCG · UCC · judgment lien searchesSpecialist release on every pack5-business-day SLA
Why compliance fails
A single missed filing can freeze a license or trigger a penalty.
A multi-state money services business's license status is only as strong as its compliance calendar. Miss a quarterly Call Report deadline, fail to renew a license on time, let a surety bond lapse, or fall below a state's net-worth threshold — and the license can be suspended, the business can be fined, or operations can be halted.
Most compliance teams run this by hand, from memory, across dozens of states. The requirements change, the deadlines are unforgiving, and the penalty for missing one is real. That is exactly where compliance gaps hide.
StateLine exists to close that gap with a single, exhaustive standard applied identically to every file.
45 days
Hard deadline after each quarter-end to file the NMLS MSB Call Report in every licensed state
The benchmark
Measured against the letter of each state's requirements — subsection by subsection.
We do not summarize the law and hope. Every pack is scored against a versioned rule pack tied to the exact text of each state's money transmitter statutes and NMLS Call Report instructions. These are the provisions each pack is held to.
Quarterly filing window
The filing date is verified to fall no later than 45 days after quarter-end, computed deterministically — never estimated.
Every required recipient
Surety bond amount and tangible net worth are checked against each state's minimums, and any deficiency is flagged before filing.
Annual renewal package
Updated financials, bond, disclosures, and any state-specific forms are assembled and filed before the renewal deadline.
Exam package on demand
A complete examination package is maintained and updated quarterly, ready for state regulator review.
Net-new license application
For growth clients, a complete application package is assembled and filed, including business plan, financials, bond, and background reports.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Compliance Gap Scan
Upload your license list and latest financials. We return a free completeness read: which filings, renewals, and thresholds are current, and which are missing or at risk.
02
Data ingestion & reconciliation
As your authorized clerical agent, we ingest your transaction ledger, GL, and permissible-investments schedule, and reconcile them to each state's Call Report line items.
03
Grounded drafting
The four Call Report components are drafted from your validated data and the state-specific rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Amounts reconcile to the ledger to the penny; the 45-day window is verified; the bond and net-worth thresholds are checked; any failure blocks release.
05
Specialist release
A compliance specialist reviews the exception queue and signs the release. High-value or novel-product filings route to attorney review first.
06
Delivery
You receive the pack: completed Call Reports, renewal packages, bond and net-worth monitoring report, exam package, and a compliance calendar — ready for your officer to sign and file.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
49+DC
States covered
Every state requiring a money transmitter license, with continuously updated requirements.
Why StateLine
Built to be the most thorough option a money services business has.
Documentation-complete, by design
The deliverable is completeness itself — every filing, renewal, and threshold check accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact regulators on your behalf, give legal advice, or make representations to states.
Engagement
Flat fee, per filing and per license managed. No hourly billing, ever.
Simple, predictable, and aligned with a compliance standard — not a cut of any transaction volume.
- A free Compliance Gap Scan before you commit — see exactly what is missing or at risk.
- One flat fee per quarterly Call Report filing per state; disclosed pass-through search fees.
- Optional fixed-fee attorney review for novel-product or high-risk filings.
- Optional License Application Add-on for net-new state licenses, pre-assembled to each state's requirements.
FAQ
Questions, answered precisely.
Is StateLine a law firm?
No. StateLine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for novel-product or high-risk filings.
Do you contact regulators or file on my behalf?
No. StateLine prepares the documentation and runs searches as your clerical agent. You remain the licensee and the party responsible for submitting all filings and communications with regulators.
What makes a pack 'complete'?
Completeness is defined by each state's requirements: the four Call Report components present, the 45-day window verified, bond and net-worth thresholds checked, and all state-specific forms resolved or exception-coded. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released pack. The free Compliance Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per filing per state, plus disclosed pass-through search costs. No hourly billing and no percentage of any transaction volume or revenue.
See what's missing before it costs you a license.
Start with a free Compliance Gap Scan. Send your license list and latest financials and we'll return a completeness read against every state's requirements.
Documentation-completeness service · not legal advice · you file every submission.