Within 10 business days after receiving the money or equivalent value for money transmission, unless otherwise ordered by the customer or unless the money transmission licensee has reason to believe a crime has occurred, is occurring, or may occur as a result of the money transmission, a money transmission licensee shall
(1) transmit after the deduction of fees the monetary equivalent of all money or equivalent value received for the money transmission; or
(2) issue instructions making the money or its monetary equivalent available to the person designated by the customer.