Remittance-transfer rights check (Reg E Subpart B, 12 CFR 1005.30-.36) — the rights senders never use: 180-day error window from the disclosed Date Available, sender's-choice refund-or-resend within 1 business day, mandatory fee+tax refund on late/never-arrived transfers, the 30-minute full-refund cancellation, and the five-prong §1005.33(h) rebuttal when a provider blames your typo. Deterministic deadline math, scope gates, honest-no for scams/business senders/crypto. No LLM.

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