**FinCEN ALERT: Risks for Foreign Nationals and Non-Status Individuals With U.S. Bank Accounts Why You Must Act Now Before It’s Too Late**

 

FinCEN ALERT: Risks for Foreign Nationals and Non-Status Individuals With U.S. Bank Accounts

Why You Must Act Now Before It’s Too Late**

In recent days, the U.S. Department of the Treasury—through the Financial Crimes Enforcement Network (FinCEN)—issued a critical Alert regarding cross-border fund transfers involving individuals in the United States without a lawful immigration status. This development has immediate consequences for thousands of people who maintain bank accounts in the U.S., conduct transactions remotely from abroad, or lack proper documentation to regularize their financial presence in the country.

At Two Hundred Global Financial Solutions, we consider it our professional responsibility to ensure our clients understand the seriousness of this notice and the potential consequences if they do not take immediate action.

1. What This FinCEN Alert Means for You

FinCEN has intensified monitoring of:

• Cross-border money transfers
• Transactions involving money services businesses (MSBs)
• Activity from individuals who may be in the U.S. without legal status
• Funds considered illicitly obtained or inconsistent with a declared legal source
• Remittances and financial movements that raise regulatory concerns

Banks and MSBs are now required to be more strict, especially regarding:

• Identification documents
• Immigration status
• Source of funds
• Transaction patterns
• Account holder risk profiles

If any of these elements appear inconsistent or unclear, financial institutions may:

• Freeze accounts
• Close accounts without prior notice
• Block international transfers
• Report the individual to federal authorities
• Restrict access to funds while the person is outside the U.S.

This creates a major vulnerability for individuals who must manage their U.S. companies, properties, investments, or personal finances—but cannot re-enter the United States due to lack of a valid visa or lawful status.

2. The Real Risk: Losing Access to Your U.S. Bank Accounts

We are already seeing cases where clients abroad are unable to:

• Access their U.S. business or personal accounts
• Transfer funds
• Receive payments from tenants or customers
• Comply with IRS or state tax obligations
• Provide updated documentation to the bank because they cannot return to the United States

Once an account is flagged or closed under FinCEN criteria, the recovery process becomes extremely difficult—especially if the person is outside the country.

This can lead to:

• Loss of funds
• Business interruption
• IRS complications
• Penalties
• Legal exposure under federal compliance laws

This Alert is not theoretical—it is already happening.

3. How Two Hundred Global Financial Solutions Can Protect You

Our firm provides comprehensive Financial and Tax Planning designed specifically to prevent these situations. We assist clients in:

• Understanding FinCEN compliance requirements
• Stabilizing their financial documentation
• Evaluating immigration-related risks affecting banking access
• Preparing legal and financial structures that reduce exposure
• Reviewing corporate documents, operating agreements, ITIN/EIN consistency
• Ensuring proper tax filings to avoid red flags
• Advising on alternative solutions before accounts are frozen or closed

We are certified professionals with extensive experience in:

• IRS regulations (Title 26 of the U.S. Code)
• FinCEN reporting and compliance
• International clients and non-resident taxpayers (1040-NR, 1120-F)
• Multi-state financial operations
• Corporate tax planning

If you are outside the United States or lack a valid immigration status, you must take preventive action now. Waiting may result in losing access to your accounts with no possibility of re-entry to fix the problem.

4. Immediate Recommendation: Schedule a Consultation Before It’s Too Late

We strongly advise clients and prospective clients to schedule a financial and compliance review as soon as possible. Our team will analyze your specific case and guide you step by step to ensure you maintain full access to your U.S. financial system connections.

📞 Contact Information

Two Hundred Global Financial Solutions, LLC
📍 12555 Orange Dr., Suite 235, Davie, Florida 33330-4304
📞 +1 (954) 683-3578
🌐 www.200gfs.com

We offer consultations:

• In person
• By phone
• By secure videoconference
• For clients inside or outside the United States

Your financial stability and legal compliance are our highest priority.

Annex – Official FinCEN Alert (Provided Text)

FinCEN Issues Alert on Cross-Border Funds Transfers Involving Illegal Aliens
Immediate Release – November 28, 2025 – Washington

Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) is issuing an Alert as part of Treasury’s effort to prevent the exploitation of the U.S. financial system by illegal aliens in the United States seeking to move illicitly obtained funds. Annually over the past several years, the United States has witnessed a significant volume of cross-border funds transfers, including remittances from individuals located in the United States, and has taken multiple steps this year to highlight risks presented by cross-border financial activity.

“Money services businesses should be vigilant in identifying suspicious financial activity involving illegal aliens who present significant threats to national security and public safety,” said Under Secretary for Terrorism and Financial Intelligence John K. Hurley. “At Treasury, we will continue to protect the American people by faithfully upholding the laws of the United States.”

This Alert is consistent with Executive Order 14159, Protecting the American People Against Invasion. Money services businesses (MSBs) are generally required to file a suspicious activity report for a transaction that involves at least $2,000 and that the MSBs know, suspect, or have reason to suspect is relevant to a possible violation of law or regulation. This includes the cross-border transfer of funds derived from unlawful employment or otherwise derived from funds the MSB knows, suspects, or has reason to suspect were illicitly obtained in the United States.