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Bill Payment Services: Some MSBs offer bill payment services, enabling customers to pay their utility bills, credit card bills, or other invoices through the MSB's network or platform. Although federal regulators mainly focus on preventing money laundering, states have designed cryptocurrency laws to address particular concerns with issues like consumer protection. In addition, they should prepare to build a robust compliance program to meet federal and local requirements, seeking the expertise of compliance experts as relevant. These varying types of MSBs, for the most part, have virtually nothing in common other than offering some form of financial service.