The EO "Restoring Integrity to America's Financial System" flags ITIN use for account opening and credit products as a potential risk factor — specifically where the applicant "lacks verified lawful immigration status." I'm curious how this is playing out in your practice, particularly for non-resident aliens from countries like Germany who hold a valid passport, enter on ESTA or B-1/B-2, and use an ITIN purely for US tax compliance — no SSN, no permanent immigration status. A few questions: 1. Does the "lawful immigration status" carve-out in the EO realistically protect ESTA/B-visa holders in practice, or are you seeing banks apply enhanced due diligence indiscriminately — both for personal accounts and business banking? 2. Has your workflow around ITIN applications (W-7) or account opening recommendations changed since May 19? 3. Are there specific banks or account types you're now steering foreign nationals toward — or away from — for personal or business use? 4. For clients building US credit history via ITIN (authorized user pathway, secured cards etc.) — do you see this becoming more restricted or effectively unchanged? 5. Anything you're advising clients to do proactively before the Treasury advisory (due ~July 2026) and the BSA rule changes land? Would love to hear how you're navigating this.

Hey everyone! 👋 We wanted to share this video from James Baker. Take a look when you have a chance, and let us know what you think in the comments. We'd love to hear your feedback! In this video, you'll learn: ✅ How non-US entrepreneurs can legally operate U.S. companies ✅ When a foreign-owned LLC pays (or doesn't pay) U.S. taxes ✅ The differences between Delaware, Wyoming, Florida, Texas, and New Mexico entities ✅ Sales tax considerations for e-commerce businesses ✅ Tax strategies for consultants, agencies, SaaS founders, Amazon sellers, and traders ✅ U.S. banking, payment processors, and credit-building strategies ✅ Key compliance requirements, IRS filings, and common mistakes to avoid Whether you're looking to attract more U.S. clients, access better banking infrastructure, build business credit, or create a tax-efficient international business structure, this video provides a practical overview of the opportunities and requirements involved. Enjoy the video, and don't forget to share your thoughts below! 🚀 https://www.youtube.com/watch?v=ItLa75_FGD8

Hey Everyone, I working with my team on creating content for the classroom section. I want to fully revamp this community and make it even more helpful. If you guys have specific topics you want covered, feel free to add them here. Thanks!

I called the IRS ITIN hotline exactly 4 weeks ago and requested a change of the mailing address and a re-issued ITIN notice to the new address (within the same neighborhood in a suburb of Los Angeles). Until May 26th I did not receive a new notice and my profile in IRS.GOV still shows the old address. Is it normal that nothing changed since 4 weeks? How long might the technical update and the delivery of the new ITIN notice take? Would be nice hearing about your experiences regarding that matter. Thank you!

Hi everyone — asking for a friend who is a non-U.S. person with no SSN or ITIN. Is there any practical way to open a personal checking account at a U.S. brick-and-mortar bank that is unconditionally free? My friend visits the U.S. once or twice a year for a week or two and wants the account mainly for local expenses. Most banks we’ve checked charge monthly fees unless you meet waiver conditions like minimum balance, direct deposits, age requirements, or regular activity, which does not fit this travel pattern. The only close option I found is BMO Smart Advantage Checking, but BMO branches are limited to certain states, mostly California, Illinois, Wisconsin, Colorado, and Arizona — not New York or surrounding states. Any better ideas or personal experiences from nonresidents without an SSN/ITIN? Thanks!