This issue verifies that recovery from the recession is uneven or diverging as remittance flows slowly grow in some regions and countries and continue to decline elsewhere.  At the same time, the money transfer market continues to develop with new regulations on remittances and  additional mobile and web-based programs providing transfer services.  The Dodd-Frank Wall Street Reform and Consumer Protection Act is an effort to set rules on transparency and disclosure to increase consumer protection.  Similarly, firms from the mobile and money transfer business are seeking to expand their presence in the migrant money sending market by introducing applications attractive to migrants.  The research review analyzes how firms are working toward meeting effective methods and demands for money transfers.

The guest article and country profile take a turn to Europe.  We review migrants living in France, their social capital, and attributes as individuals and organized communities.  Albania is profiled as a major European remittance recipient country with experiences and characteristics that highlight policy opportunities for improving competition and increasing financial access through remittances.