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Department Of Homeland Security To Scan Payment Cards At Borders And Airports
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HeartofShadows Offline
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Post: #1
Department Of Homeland Security To Scan Payment Cards At Borders And Airports

That money doesn’t belong to you, you just have limited access to it.


Quote:Travelers leaving or entering the United States have long had to declare aggregated cash and other monetary instruments exceeding $10,000. Now, under a proposed amendment to the Bank Secrecy Act, FinCEN (Financial Crimes Enforcement Network) will also require travelers to declare the value of prepaid cards that they are carrying, known now as “tangible prepaid access devices.”
Expected to be finalized by the end of this year, the cross-border reporting modifications stem from a broader October 2011 definition of payment methods and form factors that replaced the term “stored value” with the term “prepaid access” in an effort to more accurately describe the process of accessing funds held by a payment provider.
Enforceability falls to U.S. Immigration and Customs Enforcement and U.S. Customs and Border Protection both within the Department of Homeland Security, which is already developing advanced handheld card readers that can ascertain whether a traveler is carrying a credit card, debit card, or prepaid card. This differentiation is important because only prepaid card balances will need to be added to declaration report forms.
Acknowledging that many questions still remain and that enforcement may not be straightforward, Cynthia Merritt, assistant director of the Retail Payments Risk Forum at the Federal Reserve Bank of Atlanta, had this to say about the handheld readers:


Furthermore, according to the comments, the enforcement challenge is not new, nor is the concept of a device or document that can be used to access value. The current challenges are similar to those presented in the past with other monetary instruments such as checks, money orders, and traveler checks.

Merritt also stated that, “When law enforcement takes possession of a cash or monetary instrument at the border, they are effectively holding the funds, but not so with a prepaid card or other device. Holding the card does not provide access to the underlying funds.”
Other questions to be settled include how to determine mobile phone wallet and key fob balances that can function in a manner similar to card swiping, how to distinguish between reloadable and non-reloadable prepaid cards, how to distinguish between bank-issued and non-bank-issued prepaid cards, should closed loop gift cards be included in the cross-border reporting requirements, what to do about cards that clear customs with a minimal balance but are then subsequently reloaded with an amount in violation of the reportable limits, and what to do about a large number of nonpersonalized, unembossed cards.
Also, would a traveler have legal recourse for damages if agents seized a proper debit card in the mistaken belief that it was a reportable prepaid card?
These complications and others imply that FinCEN’s NPRM [Notice of Proposed Rule Making] may yet undergo some revisions in order to bring the regulations in sync with the realities of the prepaid card industry.
In the meantime, travelers with a memorized Bitcoin private key can breathe a sigh of relief, because according to an important April 9th, 2012 letter to FinCEN Director James Freis from Homeland Security Investigations it appears that intangible brainwallets are safe for the moment:

Quote:Should the border declaration apply to codes, passwords and other intangibles as well as to any tangible object that is dedicated to accessing prepaid funds?


HSI believes that border declaration should not apply to codes, passwords and other intangibles. Identification and verification of intangibles in the context of border enforcement poses logistical and potential legal issues that are not contemplated by currency and monetary instrument declaration regulations. The structure of the currency and monetary instruments declaration regime, hinges on the existence of a physical object. The language requires something that can be passed from one individual to another in order to be presented to a third party for execution/payment.

http://www.forbes.co...s-and-airports/

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11-09-2012 03:54 AM
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SoulRiser Offline
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Department Of Homeland Security To Scan Payment Cards At Borders And Airports

wtf... what's their excuse of a reason for doing this now? I don't see how they can possibly link this to 'security' in any way.

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11-09-2012 05:29 AM
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Sociopath Offline
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RE: Department Of Homeland Security To Scan Payment Cards At Borders And Airports

(11-09-2012 05:29 AM)SoulRiser Wrote:  wtf... what's their excuse of a reason for doing this now? I don't see how they can possibly link this to 'security' in any way.

http://rationalwiki.org/wiki/Security_theater

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Lukas Foss Wrote:That is why the analogy of stealing does not work. With a thief, we want to know how much money he stole, and from whom. With the artist it is not how much he took and from whom, but what he did with it.
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11-10-2012 06:09 AM
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SomeRandomHuman Offline
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RE: Department Of Homeland Security To Scan Payment Cards At Borders And Airports

That is terrible.
11-10-2012 12:14 PM
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AtheistLGBTQAnarchist Offline
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Post: #5
Department Of Homeland Security To Scan Payment Cards At Borders And Airports

So airport security guard is the best lazy job? http://forums.school-survival.net/showth...#pid476997 Here's the link to the website.

Congratulations humanity,because you refuse to let go of the old and evolve you actually make people believe in 2012. Not only that, but you're the only species on Earth that were able to make it possible, now we get to sit until we die because we couldn't get to Mars. We have failed as a society and don't deserve our gifts to survive for this long. Maybe this is why dinosaurs are extinct, we sure aren't any better than the dirt you say we're created from. http://www.youtube.com/watch?feature=pla...DvwSOFto#! Noo

"Imagination is more important than knowledge."
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"He who sacrifices freedom for security deserves neither."
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11-10-2012 12:37 PM
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SomeRandomHuman Offline
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RE: Department Of Homeland Security To Scan Payment Cards At Borders And Airports

^ that link takes me to this page.
11-10-2012 01:02 PM
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Thought Criminal Offline
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Post: #7
RE: Department Of Homeland Security To Scan Payment Cards At Borders And Airports

How about who the fuck cares how much money you have. What a fucking hassle.
11-10-2012 03:44 PM
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AtheistLGBTQAnarchist Offline
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Post: #8
Department Of Homeland Security To Scan Payment Cards At Borders And Airports

How about we stop cutting trees and stop thinking we need an economy to survive. TREEEES!!!!!!!!!! http://trees.com

Congratulations humanity,because you refuse to let go of the old and evolve you actually make people believe in 2012. Not only that, but you're the only species on Earth that were able to make it possible, now we get to sit until we die because we couldn't get to Mars. We have failed as a society and don't deserve our gifts to survive for this long. Maybe this is why dinosaurs are extinct, we sure aren't any better than the dirt you say we're created from. http://www.youtube.com/watch?feature=pla...DvwSOFto#! Noo

"Imagination is more important than knowledge."
-Albert Einstein

"He who sacrifices freedom for security deserves neither."
-Benjamin Franklin
11-11-2012 01:37 AM
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Ky Offline
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RE: Department Of Homeland Security To Scan Payment Cards At Borders And Airports

(11-11-2012 01:37 AM)AmericanAtheistAnarchist Wrote:  How about we stop cutting trees and stop thinking we need an economy to survive. TREEEES!!!!!!!!!! http://trees.com
And this liberal propaganda has what to do with this discussion, exactly?

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11-11-2012 07:21 AM
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