If the poster is in Fijian, so is the receipt
A 1% federal tax on cash-funded remittances took effect in January 2026. Under Regulation E, the provider discloses it in the languages of its own marketing.
“On a Fijian public-information set, a Huri first-language reviewer replaced ke iko with kevaka, the formal form, because older audiences could take the shorter wording as disrespectful.”
Since January, a sender paying cash at a California remittance counter owes a federal excise tax of 1% on the transfer. Section 4475 of the Internal Revenue Code taxes transfers made after December 31, 2025 and funded with cash, a money order, a cashier's check or a similar physical instrument. IRS Notice 2025-55 assigns the duty to collect the tax to the remittance transfer provider. The provider reports the tax to the IRS on Form 720, the quarterly federal excise return.
Section 1005.31(b)(1)(ii) of Regulation E obliges the provider to disclose 2 receipt lines, its own fees and the taxes collected by the provider. The rule labels them Transfer Fees and Transfer Taxes and allows substantially similar terms. That disclosure also states the Exchange Rate, rounded to between 2 and 4 decimal places. The last line gives the Total to Recipient in the receiving currency. For a transfer to Fiji, that currency is the Fiji dollar.
Paragraph (g)(1) of section 1005.31 sets the disclosure languages at English and the foreign languages of the remittance marketing of the provider at the office. A provider with a Fijian-language window poster at a California counter must therefore give senders a Fijian-language disclosure there.
A separate rule in paragraph (g)(2) governs transfers made entirely by telephone, mobile application or text message. There, the provider gives the disclosure in the sender's primary language for the transaction. For error-resolution notices, the provider writes in the language of the error claim. A Fijian-speaking sender disputing a short payment by phone receives the error notice in Fijian.
AAPI Data measured that sender base in its 2026 State of AANHPIs report, released on September 23. The report counts between 34,000 and 39,000 Fijian Americans, or 5.9% of the Native Hawaiian and Pacific Islander population. The report finds 82.1% of Fijian Americans in California, the highest state concentration among NHPI groups. It puts the Fijian foreign-born share at 67%.
The report also measures linguistic isolation. In a linguistically isolated home, all members aged 14 or older have limited English proficiency. Fijian Americans show the highest rate among NHPI groups, at 10.5%. Native Hawaiians record 0.8% and Chamorros 1.4%.
In Suva, the Reserve Bank of Fiji recorded FJ$1,019.1 million of inward personal remittances in the year to September 2025, up 4.3%. It named Australia, the United States and New Zealand as the key sources. Mobile money accounted for 52.1% of inflows, against 46.8% in 2024. The bank warned that the US tax planned for 2026 could affect inflows from the United States.
The bank put remittance growth at 2.6% in 2025, down from 23.1% in 2022. Inflows rose 25% to FJ$725.5 million in the first 5 months of 2026. Governor Ariff Ali credited a larger diaspora and wider access to digital remittance services. He also cited Fijian participation in Australia's PALM scheme and New Zealand's RSE scheme.
California Civil Code section 1632 sets a translation duty on listed contracts for 5 negotiation languages, Spanish, Chinese, Tagalog, Vietnamese and Korean. A Fijian-speaking sender in California therefore relies on the federal marketing trigger in Regulation E for a disclosure in Fijian.
On a Fijian public-information set, a Huri first-language reviewer replaced ke iko with kevaka, the formal form, because older audiences could take the shorter wording as disrespectful. The reviewer also rejected a colleague's slang label on another phrase and explained the general meaning of the phrase. Even so, the reviewer reworded the phrase for the audience of the set.
Regulation E accepts substantially similar terms for Transfer Taxes. The provider picks the Fijian label for that line. In a managed termbase, a terminologist approves the Fijian entry for the tax line with effect from January 2026 and cites Notice 2025-55 and section 1005.31 as its sources. Huri publishes a graded comparison of engine output in Fijian.
For the first 3 quarters of 2026, a provider depositing the tax on time escapes penalties for a wrong deposit amount if it pays the shortfall by the Form 720 due date.
