{"id":3734,"date":"2025-08-15T10:03:42","date_gmt":"2025-08-15T07:03:42","guid":{"rendered":"https:\/\/123credit.ro\/blog\/fatca\/"},"modified":"2025-08-15T10:03:45","modified_gmt":"2025-08-15T07:03:45","slug":"fatca","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/fatca\/","title":{"rendered":"FATCA: un acronim explicat pe \u00een\u0163elesul tuturor"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><h1>FATCA: un acronim explicat pe \u00een\u0163elesul tuturor<\/h1>\n<p>Te-ai \u00eentrebat vreodat\u0103 de ce banca \u00ee\u0163i solicit\u0103 s\u0103 completezi formulare legate de reziden\u0163a ta fiscal\u0103 \u00een SUA, chiar dac\u0103 locuie\u015fti \u00een Rom\u00e2nia? R\u0103spunsul are un singur cuv\u00e2nt cheie: FATCA.<\/p>\n<h2>Ce \u00eenseamn\u0103, de fapt, FATCA?<\/h2>\n<p>FATCA este acronimul pentru \u201cForeign Account Tax Compliance Act\u201d, adic\u0103 Legea conformit\u0103\u0163ii fiscale a conturilor str\u0103ine. A fost adoptat\u0103 \u00een 2010 de Congresul SUA \u015fi impune b\u0103ncilor \u015fi altor entit\u0103\u0163i financiare din afara Statelor Unite s\u0103 raporteze c\u0103tre IRS (Internal Revenue Service) detalii despre conturile de\u0163inute de persoane americane sau reziden\u0163i fiscali americani.<\/p>\n<p>Scopul principal al FATCA este combaterea evaziunii fiscale interna\u0163ionale, oblig\u00e2ndu-te pe tine, dac\u0103 e\u015fti cet\u0103\u0163ean american, ai green card ori petreci peste 183 de zile pe an \u00een SUA \u2013 s\u0103 declari veniturile din conturi offshore.<\/p>\n<h2>De ce ar trebui s\u0103 te intereseze FATCA chiar dac\u0103 e\u015fti cet\u0103\u0163ean rom\u00e2n?<\/h2>\n<p>Po\u0163i crede c\u0103 FATCA nu te prive\u015fte, \u00eens\u0103 exist\u0103 situa\u0163ii \u00een care legea american\u0103 te atinge direct:<\/p>\n<ul>\n<li>Ai dubl\u0103 cet\u0103\u0163enie, inclusiv american\u0103, dar locuie\u015fti \u00een Rom\u00e2nia.<\/li>\n<li>E\u015fti cet\u0103\u0163ean rom\u00e2n, \u00eens\u0103 ai green card sau permis de reziden\u0163\u0103 fiscal\u0103 \u00een SUA.<\/li>\n<li>E\u015fti ac\u0163ionar \u00eentr-o companie rom\u00e2neasc\u0103, iar firma face pl\u0103\u0163i sau \u00eencas\u0103ri \u00een dolari printr-o banc\u0103 american\u0103.<\/li>\n<li>E\u015fti antreprenor \u015fi prime\u015fti investi\u0163ii de la fonduri din SUA; partenerii t\u0103i vor solicita dovada respect\u0103rii normelor FATCA.<\/li>\n<\/ul>\n<p>Prin urmare, chiar dac\u0103 nu sim\u0163i la prima vedere impactul, FATCA poate influen\u0163a accesul t\u0103u la servicii bancare, la finan\u0163\u0103ri \u015fi la pia\u0163a de capital.<\/p>\n<h2>Cum func\u0163ioneaz\u0103 FATCA la nivel practic?<\/h2>\n<p>Pentru ca tu s\u0103 \u00een\u0163elegi complet mecanismul FATCA, iat\u0103 etapele principale:<\/p>\n<ul>\n<li><strong>Identificarea clien\u0163ilor<\/strong> \u2013 Banca \u00ee\u0163i cere s\u0103 completezi un formular \u201cSelf-Certification\u201d pentru a stabili dac\u0103 e\u015fti \u201cUS Person\u201d \u00een sensul FATCA.<\/li>\n<li><strong>Raportarea<\/strong> \u2013 Dac\u0103 e\u015fti clasificat drept persoan\u0103 raportabil\u0103, institu\u0163ia transmite anual c\u0103tre ANAF informa\u0163iile: soldul contului, dob\u00e2nzi, dividende. ANAF le trimite mai departe la IRS conform acordului inter-guvernamental.<\/li>\n<li><strong>Re\u0163inerea la surs\u0103<\/strong> \u2013 Dac\u0103 o banc\u0103 refuz\u0103 s\u0103 aplice FATCA, orice pl\u0103\u0163i din SUA c\u0103tre acea banc\u0103 sunt taxate cu 30 % la surs\u0103. Din acest motiv, aproape toate b\u0103ncile rom\u00e2ne\u015fti s-au \u00eenrolat.<\/li>\n<\/ul>\n<p>Practic, legea american\u0103 se \u201cexport\u0103\u201d \u00een sistemul bancar global, iar tu vei resim\u0163i efectele prin obliga\u0163ia de a declara corect statusul t\u0103u fiscal.<\/p>\n<h2>Documentele cheie pe care trebuie s\u0103 le cuno\u015fti<\/h2>\n<p>Pentru persoane fizice, exist\u0103 dou\u0103 formulare IRS frecvent \u00eent\u00e2lnite:<\/p>\n<ul>\n<li><strong>W-9<\/strong> \u2013 \u00eel completezi dac\u0103 e\u015fti cet\u0103\u0163ean american sau rezident fiscal american; con\u0163ine num\u0103rul t\u0103u de securitate social\u0103 (SSN).<\/li>\n<li><strong>W-8BEN<\/strong> \u2013 \u00eel folose\u015fti dac\u0103 NU e\u015fti rezident fiscal american; confirmi acest lucru \u015fi evi\u0163i re\u0163inerea de 30 % pe pl\u0103\u0163ile din SUA.<\/li>\n<\/ul>\n<p>Pentru companii, apar formularele W-8BEN-E (entit\u0103\u0163i) \u015fi W-8IMY (intermediari). Toate deriv\u0103 din cerin\u0163ele FATCA \u015fi trebuie actualizate periodic la banc\u0103 \u2013 de obicei la trei ani.<\/p>\n<h2>Ce implic\u0103 FATCA pentru tine ca persoan\u0103 fizic\u0103?<\/h2>\n<ul>\n<li>Transparen\u0163\u0103 total\u0103 \u2013 dac\u0103 e\u015fti \u201cUS Person\u201d, orice dob\u00e2nd\u0103 c\u00e2\u015ftigat\u0103 \u00een conturile tale din Rom\u00e2nia ajunge la IRS.<\/li>\n<li>Raport\u0103ri suplimentare \u2013 \u00een declara\u0163ia fiscal\u0103 american\u0103 (Form 1040) vei ad\u0103uga formularele FBAR sau Form 8938, \u00een func\u0163ie de solduri.<\/li>\n<li>Posibile re\u0163ineri fiscale \u2013 dac\u0103 nu furnizezi bancii declara\u0163ia corect\u0103, pl\u0103\u0163ile din SUA pot fi taxate suplimentar.<\/li>\n<li>Impact pe scoring bancar \u2013 nerespectarea cerin\u0163elor FATCA poate determina banca s\u0103 \u00eenchid\u0103 contul pentru a evita amenzi.<\/li>\n<\/ul>\n<p>A\u015fadar, tu trebuie s\u0103 tratezi FATCA cu aceea\u015fi seriozitate ca pe o obliga\u0163ie local\u0103.<\/p>\n<h2>Ce \u00eenseamn\u0103 FATCA pentru antreprenorii rom\u00e2ni?<\/h2>\n<p>Dac\u0103 e\u015fti proprietarul unei firme, FATCA ridic\u0103 mai multe \u00eentreb\u0103ri:<\/p>\n<ol>\n<li>Firma ta \u00eencaseaz\u0103 bani din SUA \u2013 trebuie s\u0103 depui W-8BEN-E \u015fi s\u0103 clarifici statutul de \u201cActive Non-Financial Foreign Entity\u201d (NFFE) sau \u201cPassive NFFE\u201d.<\/li>\n<li>Ai ac\u0163ionari americani \u2013 compania intr\u0103 sub raportare FATCA automat, iar tu vei furniza detalii despre structura de capital.<\/li>\n<li>Lucrezi cu platforme online (Amazon, Google, Apple) \u2013 acestea cer codul W-8 la fiecare trei ani, altfel opresc 30 % din pl\u0103\u0163i.<\/li>\n<\/ol>\n<p>B\u0103ncile listeaz\u0103 destul de clar pa\u015fii \u00een ghidurile proprii, dar responsabilitatea final\u0103 \u00ee\u0163i apar\u0163ine \u0163ie, nu institu\u0163iei financiare.<\/p>\n<h2>Amenzi \u015fi riscuri dac\u0103 ignori FATCA<\/h2>\n<p>Sanc\u0163iunile nu sunt aplicate direct de statul rom\u00e2n, ci de autorit\u0103\u0163ile americane prin re\u0163inerea de la surs\u0103 \u015fi, poten\u0163ial, penalit\u0103\u0163i \u00een cazul \u00een care e\u015fti rezident fiscal american \u015fi omi\u0163i s\u0103 declari veniturile. Concret:<\/p>\n<ul>\n<li>Re\u0163inere de 30 % pe orice plat\u0103 din SUA c\u0103tre un cont neconform FATCA.<\/li>\n<li>Amenzi IRS de p\u00e2n\u0103 la 10.000 $ pentru raport\u0103ri incomplete \u015fi suplimentar 50 % din soldul maxim anual pentru nedeclararea contului (FBAR).<\/li>\n<li>\u00cenchiderea contului \u2013 banca poate \u00eentrerupe rela\u0163ia cu tine pentru a evita riscuri.<\/li>\n<\/ul>\n<p>Prin urmare, nu merit\u0103 s\u0103 tratezi superficial cerin\u0163ele FATCA.<\/p>\n<h2>Leg\u0103tura dintre FATCA \u015fi sistemul bancar rom\u00e2nesc<\/h2>\n<p>Rom\u00e2nia a semnat un acord interguvernamental \u201cModel 1 IGA\u201d cu SUA, ceea ce \u00eenseamn\u0103 c\u0103:<\/p>\n<ul>\n<li>B\u0103ncile colecteaz\u0103 datele clien\u0163ilor.<\/li>\n<li>Trimit informa\u0163iile la ANAF.<\/li>\n<li>ANAF le retransmite la IRS.<\/li>\n<\/ul>\n<p>Astfel, responsabilitatea ta este s\u0103 r\u0103spunzi corect la \u00eentreb\u0103rile b\u0103ncii. Dac\u0103 spui \u201cnu sunt persoan\u0103 raportabil\u0103\u201d trebuie s\u0103 sus\u0163ii afirma\u0163ia cu W-8BEN valid, altfel banca marcheaz\u0103 contul ca \u201crecalcitrant\u201d \u015fi \u00eel raporteaz\u0103 oricum.<\/p>\n<h2>Cum te preg\u0103te\u015fti pentru conformare FATCA?<\/h2>\n<ol>\n<li>Verific\u0103-\u0163i statutul \u2013 e\u015fti cet\u0103\u0163ean american, rezident fiscal, ai green card sau \u00eendepline\u015fti testul de prezen\u0163\u0103 de 183 de zile?<\/li>\n<li>Actualizeaz\u0103 documentele la banc\u0103 \u2013 furnizeaz\u0103 W-8BEN sau W-9 \u00eenainte de termenele limit\u0103.<\/li>\n<li>\u0162ine eviden\u0163a soldurilor \u2013 dac\u0103 dep\u0103\u015fe\u015fti 10 000 $ agregat \u00een conturi str\u0103ine, preg\u0103te\u015fte FBAR.<\/li>\n<li>Consult\u0103 un expert fiscal \u2013 legisla\u0163ia FATCA \u015fi cea local\u0103 pot genera situa\u0163ii complicate de dubl\u0103 impozitare.<\/li>\n<li>P\u0103streaz\u0103-\u0163i fi\u015fierele \u2013 IRS poate solicita documente pe cinci ani \u00een urm\u0103; salveaz\u0103 extrasele de cont.<\/li>\n<\/ol>\n<p>Prin urmarea acestor pa\u015fi, vei transforma conformarea la FATCA \u00eentr-un proces administrativ, nu \u00eentr-un stres permanent. Trebuie s\u0103 ai \u00een vedere ca analiza financiar\u0103 a unei firme care solicit\u0103 un \u00eemprumut va fi verificata \u0219i din perspectiva FATCA, chiar dac\u0103 solicitare este online, ca in acest exemplu.<\/p>\n<h2>\u00centre FATCA \u015fi credite: exist\u0103 vreo leg\u0103tur\u0103?<\/h2>\n<p>Poate te \u00eentrebi ce impact are FATCA asupra unui credit bancar. De\u015fi legea nu reglementeaz\u0103 direct \u00eemprumuturile, banca te poate condi\u0163iona:<\/p>\n<ul>\n<li>S\u0103 completezi formularele FATCA \u00eenainte de aprobarea creditului \u2013 obliga\u0163ie de \u201cKnow Your Customer\u201d.<\/li>\n<li>S\u0103 men\u0163ii contul curent deschis pentru plata ratelor; dac\u0103 devii \u201crecalcitrant\u201d FATCA, banca ar putea suspenda linia de credit.<\/li>\n<li>S\u0103 prezinti rapoarte fiscale dac\u0103 e\u015fti \u201cUS Person\u201d, pentru a demonstra sursa veniturilor.<\/li>\n<\/ul>\n<p>Prin urmare, de\u015fi trat\u0103m aici un alt domeniu dec\u00e2t creditele, FATCA poate influen\u0163a indirect accesul t\u0103u la finan\u0163are. Po\u021bi studia mai multe articole ce se reg\u0103sesc <a href=\"#\">aici<\/a>.<\/p>\n<h2>Concluzie<\/h2>\n<p>FATCA a schimbat regulile jocului \u00een domeniul fiscalit\u0103\u0163ii interna\u0163ionale. Pentru tine, respectarea acestei legi \u00eenseamn\u0103 mai ales transparen\u0163\u0103: s\u0103 spui b\u0103ncii cine e\u015fti din punct de vedere fiscal \u015fi s\u0103 raportezi corect veniturile. Dac\u0103 procedezi a\u015fa, FATCA devine doar un formular \u00een plus, nu un obstacol. Ignorarea lui poate duce la re\u0163ineri de 30 %, amenzi \u015fi chiar \u00eenchiderea conturilor. Informeaz\u0103-te, \u0163ine leg\u0103tura cu banca \u015fi, la nevoie, consult\u0103 un expert \u00een taxe. \u00cen felul acesta, FATCA nu va fi altceva dec\u00e2t o formalitate administrativ\u0103 pe care o rezolvi rapid \u015fi f\u0103r\u0103 costuri nea\u015fteptate.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Sunt cet\u0103\u0163ean rom\u00e2n f\u0103r\u0103 leg\u0103turi cu SUA; mai trebuie s\u0103 completez formulare FATCA?<\/h3>\n<p>Da. Banca \u00ee\u0163i cere self-certification pentru a confirma c\u0103 NU e\u015fti \u201cUS Person\u201d. Dac\u0103 nu r\u0103spunzi, po\u0163i fi marcat drept client recalcitrant.<\/p>\n<h3>2. Ce este formularul W-8BEN \u015fi c\u00e2t de des trebuie actualizat?<\/h3>\n<p>W-8BEN confirm\u0103 c\u0103 e\u015fti rezident fiscal NON-SUA. Se re\u00eennoie\u015fte la fiecare trei ani sau c\u00e2nd se schimb\u0103 statutul t\u0103u.<\/p>\n<h3>3. Dac\u0103 am green card dar locuiesc permanent \u00een Rom\u00e2nia, intr\u0103 sub FATCA?<\/h3>\n<p>Da. Green card-ul te face rezident fiscal american, deci e\u015fti raportabil conform FATCA.<\/p>\n<h3>4. Banca poate refuza deschiderea unui cont dac\u0103 nu prezint formularele FATCA?<\/h3>\n<p>Poate am\u00e2na sau refuza, pentru c\u0103 legea o expune la amenzi \u015fi re\u0163ineri de 30 % dac\u0103 nu colecteaz\u0103 datele.<\/p>\n<h3>5. Exist\u0103 penalit\u0103\u0163i locale \u00een Rom\u00e2nia pentru nerespectarea FATCA?<\/h3>\n<p>Nu direct. \u00cens\u0103 banca poate \u00eenchide contul, iar pl\u0103\u0163ile din SUA pot fi taxate suplimentar. Indirect, costurile pot fi consistente.<\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\">Alege din cele 150+ de oferte de la 20+ institutii financiare partenere:<\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div 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src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"216\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, 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class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div 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\/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>FATCA: un acronim explicat pe \u00een\u0163elesul tuturor Te-ai \u00eentrebat vreodat\u0103 de ce banca \u00ee\u0163i solicit\u0103 s\u0103 completezi formulare legate de reziden\u0163a ta fiscal\u0103 \u00een SUA, chiar dac\u0103 locuie\u015fti \u00een Rom\u00e2nia? R\u0103spunsul are un singur cuv\u00e2nt cheie: FATCA. Ce \u00eenseamn\u0103, de fapt, FATCA? FATCA este acronimul pentru \u201cForeign Account Tax Compliance Act\u201d, adic\u0103 Legea conformit\u0103\u0163ii fiscale a conturilor str\u0103ine. A fost  [&#8230;]<\/p>\n","protected":false},"author":15,"featured_media":3720,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-3734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FATCA: un acronim explicat pe \u00een\u0163elesul tuturor - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"FATCA: un acronim explicat pe \u00een\u0163elesul tuturor!, obliga\u0163ii, formulare W-8\/W-9, sanc\u0163iuni \u015fi pa\u015fi de conformare. 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