AARO Voices the Podcasts for American Expatriates Around the World cover art

AARO Voices the Podcasts for American Expatriates Around the World

AARO Voices the Podcasts for American Expatriates Around the World

By: AARO Association of Americans Resident Overseas
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Welcome to the very first episode of AARO Voices, a new monthly podcast series from the Association of Americans Resident Overseas!

If you're an American living abroad, you know that life between two countries comes with unique challenges. At AARO, we've been advocating for Americans overseas since 1973, and we're excited to launch this podcast to share valuable insights that matter to our community.

Each month, AARO Voices will explore topics that affect Americans living abroad. For our inaugural episode, we're tackling banking—a pressing issue that touches nearly every American expat. Whether you've faced account closures, struggled to open new accounts, or dealt with the complexities of maintaining financial ties in two countries, you're not alone.

In this episode, we'll explore the banking landscape for US expats, discuss the regulatory changes that have created these challenges, and share what AARO is doing to create solutions.

We hope AARO Voices becomes a valuable resource, helping you stay informed and connected no matter where in the world you call home. Join AARO at aaro.org and thank you for being part of our community.

© 2026 AARO Voices the Podcasts for American Expatriates Around the World
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Episodes
  • Taxes, FBAR & FATCA
    Jun 10 2026

    In this episode of AARO Voices, we explore the growing impact of FBAR enforcement and FATCA on Americans living overseas—and why reform is urgently needed.

    Originally designed to combat offshore tax evasion, these laws increasingly affect ordinary expatriates managing everyday financial accounts in the countries where they live and pay taxes. We break down how FBAR (Foreign Bank Account Report) requirements work, including the $10,000 reporting threshold and the severe penalties that can apply—even for non-willful violations.

    We also examine the real-world consequences through the case of United States v. Tuncay Saydam, where penalties exceeded $544,000, raising critical questions about how “willfulness” is defined and enforced.

    On the FATCA side, we discuss how global reporting requirements imposed on foreign financial institutions have led to unintended challenges for Americans abroad, including account closures, denied services, and financial exclusion.

    Finally, we outline what expatriates need to know to stay compliant, and highlight AARO’s ongoing advocacy for reform—focused on fairness, proportionality, and a shift toward residence-based taxation.

    Compliance is essential—but so is a system that reflects the realities of global American lives.

    Learn more at AARO.org.

    Banking for Americans Living Abroad explains why U.S. expats often face account closures and limited banking access. This episode of AARO Voices explores FATCA, compliance challenges, and practical banking solutions for Americans overseas, with guidance from the Association of Americans Resident Overseas (AARO). Learn more at
    aaro.org.
    ~https://aaro.org/

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    8 mins
  • How Many American Live Abroad
    May 17 2026

    How many Americans live overseas? The answer may surprise you.

    In this episode of AARO Voices, Gary Zuercher speaks with Doris Speer, President of the Association of Americans Resident Overseas, to uncover the real number of Americans living abroad — and why estimates range from 4 million to 9 million.

    We break down the data, the myths behind the widely cited State Department figure, and why AARO’s estimate of 5.5 million Americans overseas matters politically, economically, and socially. Plus: where Americans abroad live and the challenges they face, from FATCA and FBAR reporting to banking access and retirement barriers.

    If you're an American abroad — or thinking about moving overseas — this episode is for you.

    Banking for Americans Living Abroad explains why U.S. expats often face account closures and limited banking access. This episode of AARO Voices explores FATCA, compliance challenges, and practical banking solutions for Americans overseas, with guidance from the Association of Americans Resident Overseas (AARO). Learn more at
    aaro.org.
    ~https://aaro.org/

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    6 mins
  • Helping Americans Abroad
    Apr 9 2026

    In this episode of AARO Voices, we learn how the Association of Americans Resident Overseas (AARO) supports U.S. citizens living abroad. From U.S. taxes, FBAR and FATCA reporting, and overseas banking access to voting rights, Social Security, and consular services, Americans abroad face unique challenges. AARO is a non-profit, non-partisan organization run by expats, with a physical presence in Paris and leadership across Europe, Washington, D.C., and Asia. Learn how AARO provides advocacy, expert guidance, healthcare options, U.S. banking access through the State Department Federal Credit Union, and a global community for Americans overseas.

    Learn more at AARO.org.

    Banking for Americans Living Abroad explains why U.S. expats often face account closures and limited banking access. This episode of AARO Voices explores FATCA, compliance challenges, and practical banking solutions for Americans overseas, with guidance from the Association of Americans Resident Overseas (AARO). Learn more at
    aaro.org.
    ~https://aaro.org/

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    7 mins
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