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How To Report Fraud On Negotiable Instruments, Trust, Business, And Investment Accounts?

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If something doesn't look right, call us 

We will review your accounts, identify any unauthorized transactions, or negotiable instruments; and help keep your accounts secure.

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Look Out For Fraudulent Charges:

A fraudulent charge is a transaction that wasn't made by you or anyone authorized to use your account(s); you have confirmed:

  • This charge wasn't made by another authorized user on your account

  • You haven't let anyone else use your account info

  • You have reviewed the transaction detail keeping in mind some merchants use a different name or address for billing purposes and still don't recognize it

  • If you identify a transaction as potentially fraudulent, you can Report a Problem and follow this step.

If your information is lost or stolen, or you think someone used your account without permission, call Belay Empire immediately at 1-510-630-2203 or email support@belayempire.com without hesitation.

 

Look Out For Fraudulent Peer-to-Peer (P2P) Transactions:

Do not make or accept any peer-to-peer (P2P) transactions from someone you do not know for it could be a scam.

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Look Out For Fraudulent Business-to-Business (B2B) Transactions:

Do not make or accept any Business-to-Business (B2B) transactions from someone you do not know for it could be a scam.

 

Look Out For Fraudulent Negotiable Instrument Transactions:

In case of fraud or error(s) with a Belay Empire Negotiable Instrument that you did not authorize the creation of contact Belay Empire immediately at 1-510-630-2203; or if you need more information about a Negotiable Instrument, credit, or debit transaction email support@belayempire.com.

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IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR CREDIT AND DEBIT TRANSFERS:

Call Belay Empire at 1-510-630-2203, email support@belayempire.com, or immediately write us at the address on the front of your monthly statement.

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Whom can I call if I have questions about my open fraud claim?

If you open a claim, we will work quickly to resolve it within 10 business days of submission. If we need more time, we'll apply a temporary credit to your account.

Online Operating Hours
Mon-Fri: 24 Hours
Saturday: 24 Hours
Sunday: 24 Hours
Call Us
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+1 (510) 630-2203
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support@belayempire.com
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Mailing Location

Attention: BELAY EMPIRE

℅ 3020 Bernal Ave Suite 110 #2133

Non-domestic Pleasanton,

California Republic [94566]

G-IPMN Code: GIPMN-NA-93684402

BELAY EMPIRE — BANK & REGULATOR DISCLOSURE FOOTER

 

Belay Empire is an unincorporated Indigenous Peoples Financial Institution via 508(c)(1)(a) religious and Indigenous Peoples organization, operating for the purpose of economic inclusion and self-determination, including the lawful settlement of private obligations, trade, and commerce for Indigenous Peoples and aligned parties.

 

Belay Empire issues issuer-funded negotiable instruments payable on demand, including Bills of Exchange and Promissory Notes, solely for the settlement of private obligations, purchases, and contracts. Each such instrument represents a present, unconditional obligation of the issuer, is credited at issuance on the Belay Empire internal settlement ledger, and is recorded for verification, timestamping, and audit within G-IPMN. Settlement is completed upon issuance and acceptance of the instrument according to its terms; no external bank transfer is required to effect settlement within the Belay Empire system.

 

By this, any interaction with a depository institution is voluntary and limited solely to conversion of already-settled value into bank-based money at the holder’s election and subject to bank policy. Depository institutions are not drawees, guarantors, or settlement authorities for Belay Empire instruments and do not create, validate, or complete settlement within this framework.

 

Belay Empire does not issue currency, legal tender, or bank instruments, and does not issue cashier’s checks (which are bank-only instruments). Where appropriate for institutional counterparties, Belay Empire may issue Letters of Credit / Standby Letters of Credit as conditional documentary undertakings governed by UCC Article 5; such instruments do not carry value at issuance and are payable only upon a complying documentary presentation.

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Governing Commercial Law

 

Belay Empire’s negotiable instruments and settlement processes are governed by state-enacted Uniform Commercial Code (UCC) Articles 1 and 3, including but not limited to:

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  • UCC § 1-201(b)(24) — Value

  • UCC § 1-304 — Good Faith

  • UCC § 3-104 — Negotiable Instruments

  • UCC § 3-412 — Obligation of Issuer

  • UCC § 3-501 — Presentment

  • UCC § 3-602 — Discharge by Payment

 

Where banks elect to participate solely for conversion purposes, UCC Article 4 applies, including:

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  • UCC §§ 4-201, 4-202, 4-103 — Bank as agent; ordinary care; variation by agreement

 

Letters of Credit / Standby Letters of Credit, if issued, are governed by UCC Article 5 (including UCC §§ 5-102, 5-108) and applicable international rules if incorporated (e.g., ISP98 / UCP 600).

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Indigenous Peoples’ Rights & Authority

 

Belay Empire operates consistent with Indigenous Peoples’ rights to economic self-determination, as recognized under:

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  • United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP) — Articles 3, 4, and 20

  • United States recognition of international human-rights principles as persuasive authority in domestic policy (e.g., Public Law 97-280)

 

These principles inform Belay Empire’s purpose and governance, while domestic commercial activity remains governed by state-adopted UCC provisions.

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Important Clarifications

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  • Belay Empire instruments are private commercial instruments, not bank money.

  • Acceptance completes settlement; bank processing, if any, is conversion-only.

  • Banks may decline conversion pursuant to policy; refusal does not invalidate settlement.

  • If conversion is refused, instruments must be returned promptly and intact in accordance with applicable law and instrument terms.

 

© Belay Empire. All rights reserved.
This footer is provided for informational and compliance purposes only and does not constitute legal advice to any third party.

Investment Products are:

  • Not Insured by Belay Empire or Any Federal Government Agency

  • Not a Deposit or Other Obligation of, or Guaranteed by, this Indigenous Peoples Financial Institution or Any Bank Affiliate

  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

BY THIS, BELAY EMPIRE EXISTS AS AN INDEPENDENT PRIVATE UNINCORPORATED INDIGENOUS PEOPLES FINANCIAL INSTITUTION.

Belay Empire are proud Non-FDIC Members

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 © Copyright 2019-2026 Belay Empire, all rights reserved.
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