Issue Briefs / Pete Ziverts / Business Writer

Issue Briefs

An issue brief is a position paper used to explain a company's posture on a law, regulation or issue. The audiences for these examples were state and federal regulators and business customers - generally not consumers - who had a vested interest in understanding a component of the company's operations or how it interpreted or complied with a particular regulation.

PayLease Issue Brief Series • September 1, 2017

Money Services Businesses, Money Transmitters & Non-Bank Payment Processors

Money services businesses, money transmitters and non-bank payment processors are types of financial institutions that are often misunderstood with regard to their regulatory obligations under the law.

PayLease Issue Brief Series • July 1, 2017

Credit Card Surcharging

The environment around surcharging – including an understanding of what is and is not a surcharge – has become quite murky. In this document, PayLease articulates the issue of surcharging and clarifies how the state laws and card network rules apply to its business.

Western Union Issue Brief • April 1, 2011

Human Trafficking vs. Human Smuggling

The 2009 Best Picture and ‘feel good movie of the decade,’ Slumdog Millionaire, is based on a dark and sordid issue.

Western Union Issue Brief • March 1, 2011

Fee / Foreign Exchange Disclosure

Transaction fee, foreign exchange (FX) and consumer disclosure practices vary widely across the remittance industry. The variances exist not because a sub‐set of remittance companies are hiding or obfuscating their prices. Instead, they exist because of the differences in their chosen business and revenue models and, in many cases, their dependence on FX as a revenue source.