The safety camera feature on the 540 (and all non-LIVE Tomtoms) is only for permanent fixed cameras, both speed and red light.
I've never personally seen a permanent speed camera in the USA, but there are growing numbers of red light cameras. And I don't really care about red light cameras, as only immature teenagers and foreigners run red lights in the USA.
In my opinion, the whole system is designed around Europe, where it is common to run red lights, and where there are lots of fixed-location speed cameras. Europeans list fixed speed cameras as one of the most valuable features of a Tomtom, whereas most Americans couldn't care one iota. If the fixed speed cameras were $0.05 per year I wouldn't pay for it, which is why Tomtom had to make them free in the USA.
The real value in the USA would be the temporary speed cameras. This is only available in the LIVE units. When I report a temporary camera, it shows up for 24 hours at that location. But I've never seen another owner's reported speed camera. My bet is that the system works, it's just that there are so so few 340LIVE and 740LIVE owners, and very few of them take the time to report cameras.
You're much better with an app like trapster in the USA, as it's used by so many people (even cops themselves disclose their location - many of the "nicer" PDs care primarily about slowing traffic down, not the ticket revenue that the "meaner" PDs care about).
Tomtom LIVE speed cameras are relatively useless mostly because of lack of customers, they really need to lease notifications from Trapster to get any real value to their American customers.