I haven't made a big deal out of this, but I too have registered as an MSB with FinCEN.
It's actually not that big of a deal. You can do it online yourself at
http://bsaefiling.fincen.treas.gov in 15 minutes, even registering yourself as an individual if you felt like it. Making an account on BSA seemed easier than making a gmail account, and then filling out RMSB (Register Money Services Bureau) was only painful to just get the form working (uses some weird PDF-related plugin and seems to only work in IE7-10) but even still, after having filled out the second form, it was still far easier than applying for Obamacare.
As I understand it, it's the states that impose the licensing requirements, as though FinCEN just wants you to sign up and proactively give them a good feed of data as to who's moving money where and then they're happy (which comes chained to a due diligence burden of KYC since you can't really give "good" data without it). My sense is that if FinCEN says I'm a money transmitter, the states need to either say in their eyes no I'm not, or let me license, before they declare "you knew you were a money transmitter, the feds even told you so, and you still didn't comply"... and there's 50 individual states.
Am not aware of what you might be doing that ought to trigger this MSB requirement, were they specific?
Which is it according to them (if you don't mind sharing)?
(1) Currency dealer or exchanger.
(2) Check casher.
(3) Issuer of traveler's checks, money orders or stored value.
(4) Seller or redeemer of traveler's checks, money orders or stored value.
(5) Money transmitter.
(6) U.S. Postal Service.
