Explore the Manual

This chapter explains your rights when sending money from the U.S. to family or friends in another country — so you know what to expect and how to protect yourself.

Learn which money transfers are covered by federal consumer protection laws — and why you should only use regulated banks or licensed money transmitters.

Find out what information the provider must give you before and after you send money, including fees, exchange rates, delivery time, and how to get help if there’s a problem.

Understand when you can cancel a transfer for free, what to do if there’s an error, and how to file a complaint if the company doesn’t fix the problem.

Know what to do if your transfer is late, wrong, or missing — including how to notify the provider, what timelines apply, and where to file a complaint if needed.

Spot common scams, compare providers to avoid hidden fees, and follow practical tips to make sure your money arrives safely.

This section explains your rights to be paid for work performed, regardless of immigration status, and offers practical advice for recovering your last paycheck if you are detained or deported. It covers common obstacles and steps you can take to protect your wages.

An overview of your legal right to receive minimum wage and overtime pay, regardless of your work authorization or immigration status.

Information on state-specific deadlines for employers to issue your final paycheck after you leave a job, including differences depending on whether you quit or were discharged.

Guidance on how to update your employer about address changes or designate someone to receive your paycheck on your behalf.