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custodian</news:keywords></news:news><image:image><image:loc>https://specials-images.forbesimg.com/imageserve/69f0a40d83404e34943e1929/In-my-earlier-post-I-explored-how-the-new-Trump-Accounts-for-children-currently-exclude-some-families-of-Americans-living-abroad-due-to-rigid-citizenship-and-Social-Security-requirements-However-as-Robert-Levitt-a-Chartered-Financial-Analyst-and-cross-border-investment-advisor-specializing-in-Americans-living-abroad-recently-shared-with-me-the-hurdle-isnt-just-legislative--This-is-a-barrier-impacting-all-US-children-living-overseas-resulting-in-the-ultimate-Expat-Wall--The-Department-of-the-Treasurys-April-2026-designation-of-Bank-of-New-York-Mellon-Corporation-as-the-financial-agent-and-Robinhood-as-the-brokerage-and-initial-trustee-for-Trump-accounts-creates-the-barrier--Although-the-Treasury-has-not-yet-released-detailed-onboarding-criteria-for-the-platform-existing-account-opening-frameworks-at-institutions-such-as-Robinhood-and-Bank-of-NY-Mellon-typically-require-a-US-residential-address-which-may-effectively-exclude-citizens-living-abroad-from-using-the-official-app-based-infrastructure-currently-being-developed--While-the-Trump-Account-legislation-found-in-Internal-Revenue-Code-Section-530A-grants-eligibility-to-all-US-citizens-under-age-18-it-does-not-require-private-sector-custodians-to-accept-all-eligible-participants-As-a-result-many-expat-children-could-be-denied-coverage-in-practice-The-Licensed-But-Restricted-Paradox-Robert-pinpointed-the-central-frustration-perfectly-Neither-of-these-financial-institutions-will-accept-Americans-abroad-Robinhood-is-licensed-abroad-but-refuses-US-citizens-As-Robert-also-explained-Bank-of-NY-Mellon-while-licensed-in-Europe-generally-does-not-provide-direct-retail-access-for-Americans-living-abroad-This-is-the-Catch-22-that-defines-much-of-financial-life-for-the-estimated-9-million-Americans-overseas-While-Robinhood-has-successfully-secured-licenses-to-operate-in-the-United-Kingdom-and-Europe-those-licenses-are-designed-to-serve-local-residents-Because-of-the-massive-compliance-burden-of-US-Foreign-Account-Tax-Compliance-Act-FATCA-reporting-many-institutions-often-have-a-policy-of-simply-refusing-to-onboard-US-citizens-even-those-living-right-next-door-to-their-foreign-offices-The-Computer-Says-No-Moment-For-a-parent-in-Dubai-or-Hong-Kong-the-experience-of-opening-a-US-based-account-often-follows-a-predictable-frustrating-script-They-begin-the-application-with-high-hopes-but-the-moment-a-non-US-residential-address-is-entered-the-application-is-often-automatically-rejected-or-stalled-Financial-institutions-such-as-BNY-Mellon-and-Robinhood-use-automated-onboarding-filters-These-filters-are-designed-to-comply-with-US-domestic-laws-that-assume-every-American-lives-in-one-of-the-50-states-To-a-US-banks-compliance-software-a-foreign-address-is-a-red-flag-for-high-cost-reporting-and-potential-regulatory-conflict-For-the-bank-it-is-simply-easier-and-cheaper-to-say-No-to-an-expat-rather-than-to-build-a-system-that-accommodates-them-The-official-Trump-Account-infrastructure-developed-by-Robinhood-and-BNY-is-expected-to-launch-on-July-5-2026-However-because-Robinhood-is-the-exclusive-initial-trustee-the-onboarding-process-is-currently-designed-for-domestic-users-Overseas-citizens-may-need-to-wait-for-the-Treasury-to-announce-alternative-manual-registration-methods-or-additional-trustees-that-support-foreign-addresses-The-Treasurys-Responsibility-and-the-White-Label-Barrier-This-hurdle-is-currently-baked-into-the-official-government-rollout-According-to-recent-reports-the-Treasury-Department-Robinhood-and-BNY-Mellon-are-launching-a-joint-white-label-application-for-these-accounts-In-this-arrangement-Robinhood-builds-the-technology-and-interface-but-it-is-presented-as-the-official-US-government-platform-The-problem-for-families-abroad-is-that-while-the-Treasury-provides-the-label-Robinhood-provides-the-rules-Because-the-app-is-built-on-Robinhoods-existing-commercial-platform-which-is-designed-strictly-for-domestic-users-it-may-if-based-on-existing-onboarding-architecture-require-a-US-residential-address-to-function-Even-though-the-Treasury-is-the-lead-partner-the-system-is-hardwired-to-reject-anyone-living-outside-the-50-states---Parental-Custodianship-Doesnt-Solve-It-One-might-ask-Can-a-parent-simply-act-as-the-custodian-to-bypass-these-rules-While-a-parent-is-indeed-the-named-manager-of-the-childs-account-the-institution-where-the-money-is-held-must-still-be-willing-to-host-the-assets-If-the-official-custodians-for-the-Trump-Account-program-are-standard-US-retail-brokerages-they-will-likely-lack-the-cross-border-regulatory-appetite-required-to-serve-Americans-living-overseas-This-effectively-risks-excluding-the-children-of-global-Americans-from-a-program-that-is-meant-to-be-a-universal-benefit-of-citizenship-Until-this-problem-is-bridged-the-Trump-Account-remains-a-domestic-luxury-leaving-the-children-of-global-Americans-on-the-outside-looking-in-A-Call-for-Treasury-Action-Since-the-Treasury-Department-is-directly-involved-in-this-collaboration-and-operation-of-the-Trump-Account-infrastructure-it-is-difficult-for-it-to-claim-that-these-Expat-Walls-are-simply-a-private-banks-policy-The-Treasury-has-the-authority-to-ensure-this-government-branded-application-is-accessible-to-every-American-citizen-regardless-of-where-they-live-To-fulfill-the-promise-of-a-universal-benefit-it-is-incumbent-upon-the-Treasury-to-ensure-that-the-platform-accommodates-foreign-addresses--Alternatively-it-can-provide-a-direct-registration-path-through-the-Treasury-itself-that-bypasses-private-sector-residency-restrictions-There-is-still-time-for-the-Treasury-to-address-this-gap-before-the-live-rollout-on-July-5/0x0.jpg</image:loc></image:image></url><url><loc>https://forbestodays.pages.dev/sites/monicamercuri/2026/04/28/hoppers-is-now-streaming-how-to-watch-the-disney-pixar-hit-at-home/</loc><lastmod>2026-04-28T13:30:30Z</lastmod><news:news><news:publication><news:name>Forbes</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-28T13:30:30Z</news:publication_date><news:title>‘Hoppers’ 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