This hesitation appeared to be due to the concern that increased visibility might result in an increase of governmental involvement in their operations and jeopardize their livelihoods (in the case of the agents) or the transfer facility (in the case of the clients). [...] Although the introductions and the snowballing process for the interviews called for concern regarding the validity and reliability of the information, this method was necessary considering the nature of the study. [...] In the first case, the Financial Agent receives funds from the client and in the second, the same Financial Agent is required to dispense funds to other clients at the request of other Financial Agents. [...] None of the Financial Agents were clear about the ongoing legal obligations attached to being ‘registered’, with the exception of the Financial Agents that are licensed in the United States by Financial Crimes Enforcement Network (“FinCEN”) or do business with licensed MSB’s in the United States. [...] The Canadian Financial Agent receives a confirmation from the Afghani Financial Agent of the executed transaction and passes the confirmation on to the sender client.