Which of the following is NOT considered a type of financial service provider as an MSB?

Mortgage lenders are not categorized as money service businesses (MSBs) under the Bank Secrecy Act (BSA). MSBs primarily encompass businesses that engage in activities like currency exchange, check cashing, and money transmission, which all serve as financial services that involve the handling of monetary transactions on behalf of customers.

While mortgage lenders do provide financial services related to loans and mortgages, their primary function does not involve the types of transactions typically associated with MSBs, such as converting currency or facilitating money transfers. Therefore, they fall outside the MSB definition, distinguishing them from the other options listed, which are all recognized as MSBs due to their direct involvement in money handling or transmission activities.