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.
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