Money orders have limited acceptance in the insurance and brokerage industry because of concerns over money laundering. Because of provisions within the US Patriot Act and the Bank Secrecy Act, money orders require far more regulatory processing requirements than personal checks, cashier's checks, or certified checks. Thus, most brokerage firms, insurance firms, and even many banks will not accept them as payment. Counterfeit money orders are on the rise. A counterfeit will be sent to an unwitting victim who is instructed, on some pretext, to deposit it at his/her bank and return some of the funds. The victim is more likely to trust an �official� money order than a regular check, for the reasons given above. However, because money orders are paid through the postal service rather than the usual check clearing system, they often take longer to �bounce� than an ordinary check. When this finally occurs it is charged back to the victim, who may already have sent back the funds, for which he or she must take