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Records

Beneficial ownership (BOI): who has to report, and when

The newest federal obligation for U.S. companies, what FinCEN wants, and how non-U.S. owners file it. Rules here move — check current status before relying on dates.

Beneficial ownership reporting (BOI) is the newest layer of U.S. compliance, administered by FinCEN rather than the IRS. It asks a simple question with real teeth: who actually owns and controls this company?

This area has moved a lot. Deadlines, exemptions, and even whether certain companies must report have changed more than once. Treat the specifics below as orientation, and confirm the current rule before you rely on a date.

What a BOI report contains

A reporting company identifies its beneficial owners — broadly, anyone who owns 25% or more, or exercises substantial control — with each person’s name, date of birth, address, and an identifying document number. For companies formed after the rules took effect, the company applicant may also be reported.

Why it matters for foreign owners

Living outside the U.S. doesn’t exempt you. If your U.S. LLC is a reporting company, a nonresident owner is still a beneficial owner and must be identified. The penalties for willful non-reporting are steep and accrue daily — which is why this sits alongside Form 5472 as a “don’t assume you’re exempt” obligation.

How to stay on the right side of it

  • Confirm whether your company is currently a reporting company under the rule in force.
  • Keep beneficial-owner details current — a change in ownership or address can trigger an update obligation.
  • Store the filing confirmation in your record book, so you can prove you reported.

Common questions

Does a foreign owner have to report BOI?

If your U.S. LLC is a reporting company, yes — the report identifies the beneficial owners regardless of where they live. A nonresident owner is still a beneficial owner.

Is BOI the same as Form 5472?

No. BOI is filed with FinCEN and identifies the people who own or control the company. Form 5472 is filed with the IRS and reports transactions between the LLC and its foreign owner. Different agency, different purpose, different deadline.

This resource is general information for non-U.S. owners of U.S. LLCs and was reviewed for accuracy in Apr 30, 2026. It is not legal or tax advice for your specific situation. Penalty figures are illustrative maximums published by the relevant agencies.