International Remittance Consumer Protection Act of 2004

International Remittance Consumer Protection Act of 2004 - Amends the Electronic Fund Transfer Act to require a remittance transfer provider to: (1) clearly and conspicuously make specified disclosures in writing and in a form that the consumer may keep to each consumer requesting a remittance transfer; and (2) make such disclosures in English and in the same languages principally used by the remittance transfer provider, or its agents at that office, if other than English.

Prescribes error resolution guidelines and remedies governing remittance transfer errors.

Instructs the Secretary of the Treasury to publish electronically on each business day the foreign currencies dollar exchange rate.

Amends the Federal Credit Union Act to empower Federal Credit Unions to: (1) provide remittance transfers to persons in the field of membership; and (2) cash checks and money orders for such persons for a fee.

Directs the Board of Governors of the Federal Reserve System to work with the Federal reserve banks to expand the use of the automated clearinghouse system for remittance transfers to foreign countries.

Requires certain Federal banking agencies to provide guidelines to financial institutions offering low-cost remittance transfers and no-cost or low-cost basic consumer accounts, as well as agency services to remittance transfer providers.

Requires such agencies and the Secretary to assist the Financial Literacy and Education Commission in improving the financial literacy and education of consumers who send remittances.

Amends the Foreign Assistance Act of 1961 to direct the President, acting through the Administrator of the U.S. Agency for International Development, to provide assistance to leverage personal remittances and reduce the cost of remittances sent to Latin America and the Caribbean.

Amends the Inter-American Development Bank Act to direct the Secretary of the Treasury to instruct the U.S. Executive Director at the Inter-American Development Bank to use the U.S. voice, vote, and influence to urge the Bank, among other specified things, to provide assistance to increasing access to financial institutions for the poor and working with local financial institutions to reduce fees and other costs associated with sending or receiving remittances.

Directs the Comptroller General to study and report to specified congressional committees on the remittance transfer system.