{"id":12515,"date":"2015-01-28T15:21:01","date_gmt":"2015-01-28T20:21:01","guid":{"rendered":"http:\/\/panamaadvisoryinternationalgroup.com\/blog\/?p=12515"},"modified":"2015-01-28T15:21:01","modified_gmt":"2015-01-28T20:21:01","slug":"why-fatca-is-a-train-wreck-waiting-to-happen","status":"publish","type":"post","link":"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/why-fatca-is-a-train-wreck-waiting-to-happen\/","title":{"rendered":"Why FATCA Is a Train Wreck Waiting to Happen"},"content":{"rendered":"<p><a href=\"http:\/\/panamaadvisoryinternationalgroup.com\/blog\/wp-content\/uploads\/2015\/01\/facta.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-12516\" src=\"http:\/\/panamaadvisoryinternationalgroup.com\/blog\/wp-content\/uploads\/2015\/01\/facta.jpg\" alt=\"facta\" width=\"550\" height=\"432\" srcset=\"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/wp-content\/uploads\/2015\/01\/facta.jpg 550w, https:\/\/panamaadvisoryinternationalgroup.com\/blog\/wp-content\/uploads\/2015\/01\/facta-300x235.jpg 300w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/a><\/p>\n<p>This in from Mark Nestmann, at Nestmann.com.<\/p>\n<p>FATCA, otherwise known as the Foreign Account Tax Compliance Act, is one of the most arrogant and one-sided laws ever passed by Congress. I first wrote about it in <a href=\"http:\/\/www.nestmann.com\/congress-enacts-obamas-anti-offshore-jobs-bill#.VMlEQC5Ezq4\" target=\"_blank\">this essay.<\/a><br \/>\nThe idea behind FATCA, which Congress enacted in 2010, is simple: Demand that other countries enforce America\u2019s imperialistic tax laws. And do so by the confiscation of foreign assets, if necessary.<br \/>\nSpearheaded by President Obama, who has promised to shut down \u201coffshore tax havens,\u201d FATCA arrogantly presumes that \u201cforeign financial institutions\u201d will enforce US tax laws. And if they fail to do so? Any US-source income they have in the form of interest, dividends, rents, and similar payments are subject to a 30% withholding tax.<br \/>\nThe definition of a \u201cforeign financial institution,\u201d or FFI, is very broad and includes banks, broker\/dealers, insurance companies, hedge funds, and private equity funds.<br \/>\nThe only way that foreign banks and other international financial institutions can avoid this tax is to act as unpaid IRS informants. Non-US persons investing in the US are affected, too. If their foreign bank isn\u2019t FATCA-compliant, their US income gets whacked 30%.<br \/>\nThis withholding was supposed to start in July 2013. It turned out that implementing FATCA was far more expensive and time-consuming than Congress expected it would be. (Sound familiar?) The IRS extended the deadline to July 1, 2014. And shortly before that deadline, the IRS extended the deadline again for any FFI (or in some cases, all FFIs in a country) that had committed to a good faith effort to implement this highly complex law.<br \/>\nYou might think that FFIs \u2013 and the governments that host them \u2013 might refuse to go along with this law. But because the consequences of being effectively locked out of the world\u2019s largest market \u2013 the US \u2013 are so horrific, most of them have gone along.<br \/>\nNot surprisingly, FATCA and numerous other laws that require FFIs to enforce US money laundering, anti-terrorism, and securities regulations have led most of these institutions to fire their US clients. Perhaps one in 10 \u2013 and possibly fewer \u2013 non-US banks still permit US citizens or permanent residents to open accounts. That leaves little choice for Americans but to deal only with banks that have agreed to toe the IRS line.<br \/>\nIndeed, the global version of FATCA that many of us predicted (and feared) is now upon us. Many other countries have enacted their own versions of FATCA that override all privacy laws and force residents to give up details of their offshore financial relationships. Then those countries go out and try to strong-arm their neighbors into participating.<br \/>\nEven those countries that haven\u2019t enacted their own versions of FATCA have tried to bully their neighbors into signing one-sided tax information exchange agreements. Colombia is a great example. It recently demanded that its neighbor Panama sign such an agreement and begin sending details of Panamanian bank accounts owned by Colombians back to Colombian tax authorities.<br \/>\nBut Panama didn\u2019t go along. It might have something to do with the fact that wealthy Colombians have stashed billions of dollars in Panamanian banks, and Panama has no desire to have those customers repatriate their assets to Colombia.<br \/>\nThe US has it easier than Colombia because, like Godzilla, it\u2019s the biggest and the baddest. But even here something very interesting is happening that I think will eventually derail the FATCA project. You see, the agreements that the US has signed with other countries call for the exchange of tax data to actually be\u2026 well\u2026 an exchange. But there will be no exchange because there\u2019s no procedure in US law for that to happen. In other words, the IRS can demand that other countries send it data, but there\u2019s no legal mechanism in place for the IRS to force US financial institutions to send information to foreign tax authorities.<br \/>\nObama wants to change that, but fat chance of it happening with a Republican majority in both houses of Congress, along with a resolution from the Republican National Committee calling for the repeal of FATCA. Senator Rand Paul (R-KY) has even promised to filibuster any information exchange agreements that call for the US to send account data to other countries.<br \/>\nMeanwhile, finance ministers in Germany, China, India, and other countries are starting to ask, \u201cWhere\u2019s the data on our citizens investing in the US?\u201d And there\u2019s a deafening silence on the US end of that question. The US can\u2019t force its banks to provide this information, and barring a sudden change of heart by the Republican majority in both houses of Congress, the earliest this could change is in 2017, after the 2016 elections.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This in from Mark Nestmann, at Nestmann.com. FATCA, otherwise known as the Foreign Account Tax Compliance Act, is<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-12515","post","type-post","status-publish","format-standard","hentry","category-news-articles-panama-perpsective"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why FATCA Is a Train Wreck Waiting to Happen - Blog and Newsletter<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/why-fatca-is-a-train-wreck-waiting-to-happen\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why FATCA Is a Train Wreck Waiting to Happen\" \/>\n<meta property=\"og:description\" content=\"This in from Mark Nestmann, at Nestmann.com. FATCA, otherwise known as the Foreign Account Tax Compliance Act, is\" \/>\n<meta property=\"og:url\" content=\"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/why-fatca-is-a-train-wreck-waiting-to-happen\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog and Newsletter\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088396493750\" \/>\n<meta property=\"article:published_time\" content=\"2015-01-28T20:21:01+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/panamaadvisoryinternationalgroup.com\/blog\/wp-content\/uploads\/2015\/01\/facta.jpg\" \/>\n<meta name=\"author\" content=\"Adrian Prozzo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Adrian Prozzo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/\"},\"author\":{\"name\":\"Adrian Prozzo\",\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/#\\\/schema\\\/person\\\/6c118309f214f7da81db90c9905c5e69\"},\"headline\":\"Why FATCA Is a Train Wreck Waiting to Happen\",\"datePublished\":\"2015-01-28T20:21:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/\"},\"wordCount\":787,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/01\\\/facta.jpg\",\"articleSection\":[\"News from Panama\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/\",\"url\":\"https:\\\/\\\/panamaadvisoryinternationalgroup.com\\\/blog\\\/why-fatca-is-a-train-wreck-waiting-to-happen\\\/\",\"name\":\"Why FATCA Is a Train Wreck Waiting to Happen - 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