Comment: Here is a

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In reply to comment: I think the "guidelines", or (see in situ)

Here is a

direct quote from the guidance:

"A person that creates units of this convertible virtual currency and uses it to purchase real or virtual goods and services is a user of the convertible virtual currency and not subject to regulation as a money transmitter."

I don't know how much clearer it could be. Also from the definitions section:

The Financial Crimes Enforcement Network ("FinCEN") is issuing this interpretive guidance to clarify the applicability of the regulations implementing the Bank Secrecy Act ("BSA") to persons creating, obtaining, distributing, exchanging, accepting, or transmitting virtual currencies.1 Such persons are referred to in this guidance as "users," "administrators," and "exchangers," all as defined below.2 A user of virtual currency is not an MSB under FinCEN's regulations and therefore is not subject to MSB registration, reporting, and recordkeeping regulations.

It later spells out what qualifies as exchanges, or administrators.

http://fincen.gov/statutes_regs/guidance/html/FIN-2013-G001....