{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"nt13550","title":"Modification of Returns / Reporting requirements under FEMA, 1999","document_kind":"Regulatory document","page":"https://bankpulse.ai/rule/nt13550","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Foreign money rules and returns, for banks that handle foreign money","layer":"bankpulse_inference"},"applies_to":{"shown":"Banks that handle foreign money","class_code":"AD","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"nt13550","mode":"four_dates_v1","published":{"label":"Published","value":"Jun 24, 2026","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"","stated":false,"why":"No date to act by was found in this document. Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/nt13550.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/NotificationUser.aspx?Id=13550&Mode=0","document_date":"Jun 24, 2026","read_by_bankpulse":"2026-08-22 05:02:29 UTC","text_sha256":"eb71a381ed43c9946e1c81eb4179d52d98503eb7a14b3999da926682cb736827","word_count":988,"standing_last_checked":"RBI publishes no live index for this kind of document. Standing follows RBI’s consolidation circular of 28 November 2025."},"counts":{"points_shown":11,"points_naming_an_rbi_paragraph":0,"points_stored":11,"actions":0,"amendments":0},"points":[{"n":1,"claim":"nt13550-fc26f276f","page_group":"Must know","stored_section":"WHO IT APPLIES TO","heading":"no FLM-8 for Nostro users","plain_english":"If you use Nostro accounts and report through FETERS, you must not file FLM-8 returns.","rbi_paragraph":null,"rbi_char_offset":3224,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p1","layer":"bankpulse"},{"n":2,"claim":"nt13550-6369677a3","page_group":"Must know","stored_section":"WHO SHOULD ACT","heading":"franchisee list filing","plain_english":"Authorised Persons must file a list of franchisee tie-ups within 15 days after every calendar quarter.","rbi_paragraph":null,"rbi_char_offset":3352,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p2","layer":"bankpulse"},{"n":3,"claim":"nt13550-c4461c3ca","page_group":"Must know","stored_section":"WHO SHOULD ACT","heading":"MTSS sub-agent list","plain_english":"Indian Agents under MTSS must file their Sub-Agent list every quarter within 15 days after quarter end.","rbi_paragraph":null,"rbi_char_offset":3502,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p3","layer":"bankpulse"},{"n":1,"claim":"nt13550-b54d1147c","page_group":"Do it","stored_section":"WHO SHOULD ACT","heading":"FFMCs records duty","plain_english":"Full fledged money changers must keep full and correct records of every foreign exchange deal they do.","rbi_paragraph":null,"rbi_char_offset":3807,"weight":"DO IT","role":"All 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staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p6","layer":"bankpulse"},{"n":2,"claim":"nt13550-38f16051a","page_group":"Background","stored_section":"WHAT CHANGES","heading":"no RBI nod for write-off","plain_english":"You do not need Reserve Bank approval to write off foreign currency notes above USD 2000.","rbi_paragraph":null,"rbi_char_offset":3078,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p7","layer":"bankpulse"},{"n":3,"claim":"nt13550-55b40a0eb","page_group":"Background","stored_section":"WHAT IT REPLACES","heading":"old FLM registers ended","plain_english":"Banks no longer need to use the earlier FLM-1 to FLM-7 register formats under Reporting under FEMA.","rbi_paragraph":null,"rbi_char_offset":3641,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p8","layer":"bankpulse"},{"n":4,"claim":"nt13550-509ccbc1a","page_group":"Background","stored_section":"WHAT IT REPLACES","heading":"foreign currency account return","plain_english":"The quarterly return on foreign currency accounts from export cash and traveller cheques is no longer required.","rbi_paragraph":null,"rbi_char_offset":4089,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p9","layer":"bankpulse"},{"n":5,"claim":"nt13550-f800a8a07","page_group":"Background","stored_section":"WHAT IT REPLACES","heading":"extra MTSS locations list","plain_english":"Indian Agents need not send a separate list of extra locations under the money transfer scheme now.","rbi_paragraph":null,"rbi_char_offset":4272,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p10","layer":"bankpulse"},{"n":6,"claim":"nt13550-efe1d3449","page_group":"Background","stored_section":"WHAT IT REPLACES","heading":"MTSS collateral return ended","plain_english":"The return on collateral for the money transfer scheme has been stopped.","rbi_paragraph":null,"rbi_char_offset":4478,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/nt13550#p11","layer":"bankpulse"}],"actions":[],"amendments":[],"layers":{"rbi_source":"Facts taken from RBI's own document.","bankpulse":"BankPulse's plain-English summary of RBI's document.","bankpulse_inference":"BankPulse's own inference, not stated by RBI."},"rbi_wording_not_included":"By design. BankPulse never republishes RBI's exact sentences. Use rbi_paragraph with rbi_source.url to read RBI's own words.","terms":"BankPulse's plain-English summaries are BankPulse's own work. The underlying regulation is the Reserve Bank of India's. Always check the RBI document named in rbi_source before acting."}