Seksyen 1
(1)
Peraturan-peraturan ini bolehlah dinamakan Peraturan-Peraturan
Perniagaan Perkhidmatan Wang (Perniagaan Pengiriman Wang) 2012.
(2)
Peraturan-Peraturan ini disifatkan telah mula berkuat kuasa pada 1 Disember 2011.
Tafsiran
/akn/my/act/pua/2012/71
PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012
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- Type
- P.U. (A)
- Status
- In force
- Enacted
- 2012
- Sections
- 4
Quick answer
About this p.u. (a)
PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 is Malaysia P.U. (A), cited as P.U. (A) 71 2012, currently marked in force and first recorded in 2012.
Opening note
Preamble
- PADA menjalankan kuasa yang diberikan oleh subseksyen 78(1), subseksyen 39(1) dan 40(2) Akta Perniagaan Perkhidmatan Wang 2011 [Akta 731], Bank, dengan kelulusan Menteri, membuat peraturan-peraturan yang berikut: Nama dan permulaan kuat kuasa
Seksyen 2
Dalam Peraturan-Peraturan ini—
“ejen koresponden” ertinya seorang ejen di luar Malaysia yang dilantik oleh seseorang pemegang lesen yang menjalankan perniagaan pengiriman wang untuk memastikan dana tersedia bagi seorang benefisiari di luar Malaysia berdasarkan arahan pengiriman wang oleh pemegang lesen itu;
“transaksi pengiriman wang perniagaan kepada perniagaan” ertinya suatu transaksi pengiriman wang yang dibuat oleh suatu syarikat kepada syarikat yang lain, sama ada diperbadankan di dalam atau di luar Malaysia;
“perniagaan pengiriman wang” tidak termasuk perniagaan yang semata-mata mengadakan sistem pengiriman wang yang tidak mempengaruhi atau mengawal operasi perniagaan pengiriman wang pemegang lesen itu.
P.U. (A) 71 3
Seksyen 3
Kehendak operasi bagi perniagaan pengiriman wang
Seseorang pemegang lesen yang menjalankan perniagaan pengiriman wang hendaklah mematuhi kehendak seperti yang berikut:
(a)
bagi transaksi pengiriman wang perniagaan kepada perniagaan, had transaksi keluaran harian untuk seorang pelanggan tidak boleh melebihi suatu amaun agregat dua ratus ribu ringgit;
(b)
bagi transaksi pengiriman wang selain yang diperuntukkan di bawah perenggan (a), had transaksi keluaran harian untuk seorang pelanggan tidak boleh melebihi suatu amaun agregat lima puluh ribu ringgit;
(a)
and (b) terpakai kepada semua transaksi pengiriman wang yang dijalankan di mana-mana pejabat pemegang lesen itu atau mana-mana ejen perniagaan perkhidmatan wang pemegang lesen itu atau melalui mana-mana sistem pengiriman wang pemegang lesen itu;
(d)
bagi transaksi pengiriman wang keluaran, pemegang lesen hendaklah mengeluarkan arahan pengiriman wang kepada ejen korespondennya secepat yang dapat dilaksanakan, tetapi tidak lewat dari dua hari berniaga daripada penerimaan dana daripada pelanggannya; dan
(e)
bagi transaksi pengiriman wang dalaman, pemegang lesen hendaklah memastikan dana itu disediakan untuk kutipan oleh benefisiari itu sebaik sahaja arahan pengiriman wang itu diterima daripada ejen korespondennya.
P.U. (A) 71 4
Penggunaan sistem pengiriman wang
Seksyen 4
Suatu sistem pengiriman wang hendaklah mempunyai kehendak minimum yang berikut:
(a)
boleh merekod, menghantar dan menerima maklumat mengenai transaksi pengiriman wang;
(b)
dilengkapkan dengan kawalan keselamatan yang mencukupi untuk menghalang transaksi yang tidak dibenarkan atau secara fraud;
(d)
mempunyai keupayaan untuk mengesan dan menyatukan dalam masa sebenar, transaksi pengiriman wang keluaran yang dijalankan oleh seorang pelanggan di semua pejabat dan ejen perniagaan perkhidmatan wang seseorang pemegang lesen untuk memastikan kepatuhan atas perenggan 3(c);
(e)
boleh mengesan status transaksi pengiriman wang dan secara automatik menjana amaran untuk mana-mana transaksi pengiriman wang yang belum lengkap atau tidak berjaya; dan
(f)
boleh mengawas secara berkesan kepatuhan kepada Akta
Pencegahan
Pengubahan
Wang
Haram dan
Pencegahan
Pembiayaan Keganasan 2001 [Akta 613].
Dibuat 3 Februari 2012
[BNM.JUN. 1110/65/01; PN(PU2)701]
TAN SRI DATO’ SRI DR. ZETI AKHTAR AZIZ
Gabenor
P.U. (A) 71 5
Diluluskan 20 Februari 2012
[BNM.JUN. 1110/65/01; PN(PU2)701]
DATO’ SRI MOHD NAJIB BIN TUN ABDUL RAZAK
Menteri Kewangan
P.U. (A) 71 6
MONEY SERVICES BUSINESS ACT 2011
MONEY SERVICES BUSINESS (REMITTANCE BUSINESS) REGULATIONS 2012
Opening note
Preamble
- IN exercise of the powers conferred by subsection 78(1), subsections 39(1) and 40(2) of the Money Services Business Act 2011 [Act 731], the Bank, with the approval of the Minister, makes the following regulations: Citation and commencement 1.
(1)
These regulations may be cited as the Money Services Business
(Remittance Business) Regulations 2012.
(2)
These Regulations are deemed to have come into operation on 1 December 2011.
Interpretation 2.
In these Regulations—
“correspondent agent” means an agent outside Malaysia appointed by a licensee who carries on remittance business to ensure funds are made available to a beneficiary outside Malaysia based on the remittance instructions of the licensee;
“business to business remittance transaction” means a remittance transaction made by a company to another company, whether incorporated in or outside Malaysia;
“remittance business” excludes the business of solely providing a remittance system which does not influence or control the operations of the remittance business of the licensee.
P.U. (A) 71 7
Operational requirements for remittance business 3.
A licensee who carries on a remittance business shall comply with the following requirements:
(a)
for a business to business remittance transaction, the daily outward transactions limit for a customer shall not exceed an aggregate amount of two hundred thousand ringgit;
(b)
for remittance transactions other than as provided under paragraph (a), the daily outward transactions limit for a customer shall not exceed an aggregate amount of fifty thousand ringgit;
(c)
the limit for the daily outward transactions referred to in paragraphs (a) and (b) applies to all remittance transactions undertaken at any of the offices of the licensee or any of the money services business agents of the licensee or through any remittance system of the licensee;
(d)
for outward remittance transactions, the licensee shall issue remittance instructions to its correspondent agent as soon as practicable, but not later than two business days from the receipt of funds from its customers; and
(e)
for inward remittance transactions, the licensee shall make available the funds for collection by the beneficiary immediately upon receipt of the remittance instructions from its correspondent agent.
Use of remittance system 4.
A remittance system shall have the minimum requirements as follows:
(a)
is able to record, transmit and receive information on remittance transactions;
P.U. (A) 71 8
(b)
is equipped with adequate security controls to prevent unauthorized or fraudulent transactions;
(d)
has the ability to track and consolidate on real-time basis, the outward remittance transactions undertaken by a customer at all of the offices and money service business agents of a licensee to ensure compliance with paragraph 3(c);
(e)
is able to track the status of remittance transactions and to automatically generate alerts for any incomplete or unsuccessful remittance transactions; and
(f)
is able to effectively monitor compliance with the Anti-Money
Laundering and Anti-Terrorism Financing Act 2001 [Act 613].
Made 3 February 2012
[BNM.JUN.1110/65/01; PN(PU2)701]
TAN SRI DATO’ SRI DR. ZETI AKHTAR AZIZ
Governor
Approved 20 February 2012
[BNM.JUN.1110/65/01; PN(PU2)701]
DATO’ SRI MOHD NAJIB BIN TUN ABDUL RAZAK
Minister of Finance
Common questions
- What is PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012?
- PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 is Malaysia P.U. (A), cited as P.U. (A) 71 2012, currently marked in force and first recorded in 2012.
- Is PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 still in force?
- Yes — PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 is currently in force.
- When did PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 take effect?
- PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 was first recorded in 2012.
- How many sections does PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 have?
- PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 contains 4 sections.
- Where can I read the official version of PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012?
- The official text of PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PERNIAGAAN PENGIRIMAN WANG) 2012 is published at lom.agc.gov.my.