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The law under discussion is about asking for permission. You're only an illegal money transmitter if you didn't ask for permission to be a money transmitter, right?
What I meant to say, regardless of profit or non-profit, is equivalent of this:
  1. If I lend you $10 with no interest because you're short on cash and you need food, it would be really dumb for anyone to try and regulate me.
  2. If I sell 1000 people a mortgage at interest... I have less problems with regulation.
Bottom line, let the corporations be regulated. Let people be free.