AMERICAN Taxpayers First: Zero-Tolerance FBAR in the CNMI to Halt the Great Pacific FEDERAL FUNDING Wealth Transfer
- CNMIGA .ORG
- Feb 16
- 6 min read
Updated: Feb 16
#TaxpayersFirst #ZeroToleranceFBAR #CNMIRemittanceDrain #AmericaFirstPacific #StopTheWealthTransfer #FBARenforceCNMI #SecureTheMarianas
Listen, folks in the marble halls of Washington know the drill. You draft a bill, you fight for it, you watch it become law, and then you pray the bureaucracy actually enforces it.
In the case of the Foreign Bank and Financial Accounts Report—better known as FBAR—that prayer has gone unanswered in the Commonwealth of the Northern Mariana Islands for far too long.
This isn’t some dusty regulatory footnote. FBAR is the federal government’s primary tool for shining a light on money leaving U.S. soil and landing in foreign accounts.
Enacted under the Bank Secrecy Act and beefed up after 9/11 and again with FATCA, it requires any U.S. person (citizen, resident, or domestic entity) with a financial interest in or signature authority over foreign financial accounts exceeding $10,000 in aggregate value at any point during the calendar year to file FinCEN Form 114 electronically by April 15 (automatic extension to October 15).
The purpose is simple and ruthless: stop tax evasion, money laundering, and the financing of threats to national security. Penalties are no joke—$10,000 per non-willful violation, up to the greater of $100,000 or 50% of the account balance for willful ones, plus possible criminal charges. The IRS and FinCEN share the data across law enforcement. It works when enforced. It fails when ignored.
And in the CNMI, it has been ignored.
Let’s be blunt, the way a legislative assistant would be over coffee in the Rayburn cafeteria. The CNMI is not some sleepy Pacific backwater. It is American soil—strategic real estate in the First Island Chain, home to critical military interests, and the recipient of hundreds of millions in U.S. taxpayer dollars since the 2008 transition to federal immigration control.
GAO reports, OMB data, and USAspending.gov paint a clear picture: from FY 2008 through FY 2025 the Commonwealth has absorbed well over $550 million in direct federal grants alone, with billions more when you include COVID-era relief, FEMA, HUD, and Department of the Interior appropriations. One 2023 OIG desk review alone flagged $11.1 million in questioned Coronavirus Relief Fund expenditures. The FY2021 single audit showed $51.9 million in total questioned costs, including $20.3 million from the CRF.
That money was supposed to help American citizens in the territories—build infrastructure, support local workers, strengthen sovereignty. Instead, a substantial portion has subsidized an economy dominated by foreign labor and foreign capital flight.
Here’s the lightly humorous absurdity that’s anything but funny when you tally the bill: foreigners on temporary visas land in the CNMI, snag jobs on federally funded projects (typhoon repairs, tourism recovery, you name it), pull down solid U.S.-level wages, then ship the cash home faster than you can say "remittance."
A Chinese national with a CW-1 visa runs a construction outfit that wins a taxpayer-backed contract. Profits route through a local shell, then wire straight to a Shanghai brokerage or Beijing-linked account—funding a shiny new apartment back home. Meanwhile, the local American worker gets told "no U.S. workers available" (per GAO-24-106698 workforce reports), picks up unemployment (sometimes fraudulently claimed, as OIG audits show), and watches infrastructure crumble because funds vanished overseas.
The pattern repeats: Filipino contractors wiring to Manila for family homes in Cebu; Korean retailers sending earnings to Seoul investments; Bangladeshi brokers funneling wages home.
They live the good life on American soil—earning, building, thriving—while believing the U.S. taxpayer is an easy mark. No real tracking, no real consequences, so why not? All while mainland Americans foot the bill for declining territories.
Open sources scream money laundering hub: fly-by-night companies, mostly from the Philippines and China, treat the CNMI as a personal laundering playground. Imperial Pacific International's casino saga (pre-2024 bankruptcy) drew FBI raids, indictments for unlawful employment and $24+ million transfers to promote illegal activities, plus ongoing probes into wire fraud and laundering tied to Chinese networks.
Bloomberg and Washington Post reports detail $2B+ casino promises collapsing amid corruption allegations, hidden ownership shifts, and ties to organized crime.
CNMI elites?
They prefer hiding stolen or defrauded assets in the Philippines—villas in Manila suburbs, condos in Boracay—often the endpoint of diverted federal dollars, as Senate probes and open investigations long documented.
The CNMI government's refusal to track or trace remittances is policy, not oversight.
Demographics tell the story: workforce heavily foreign (GAO-24-106698 shows U.S. workers at least 50%, but foreign dominance in key sectors; 2020 Census pegs Asian alone at ~46.6%, with Filipinos prominent at ~32-35%, Chinese ~6-7%).
Population ~47,000-50,000 (2020-2025 estimates), majority non-indigenous in economic activity.
Remittances are the lifeblood for sending countries—yet no central registry, no mandatory reporting, no federal data-sharing. This subsidizes repopulation: imported economic migrants repopulate islands, drain resources, erode local identity, all on the American dime.
As American TAXPAYERS, we must stop paying for our own destruction, repopulation, and economic downfall.
FBAR zero tolerance changes that. Mandatory filing forces transparency on every U.S. person (citizens, residents, entities) with foreign accounts or signature authority.
FinCEN data flows to IRS, DHS, DOJ—revealing patterns:
names in questioned-cost audits matching large outbound wires to Philippine or Chinese accounts.
Ghost money—untraceable transfers vanishing into home-country assets—gets a paper trail.
Federal agencies gain real-time visibility into outflows from taxpayer-funded projects.
Prosecutable example, the moment opportunity arises:
CNMI LLC owned by a U.S. person (local elite with ties) gets $2.4M ARPA "tourism recovery" funds. Owner signs checks, holds signature authority on Philippine account, wires $1.8M to Cebu personal accounts. Project half-delivered; GAO flags $800K questioned.
Zero-tolerance FBAR: failure to report triggers audit, wire data + grant audit = criminal referral.
No waiver, no "island exception." Prosecute.
Same for elites hiding Philippine assets—spouses, kids, partners filing (or not) exposes pipelines.
Raw numbers demand action: $550M+ core grants 2008-2025 (USAspending, GAO-25-107560 notes $121.1M public debt 2021, tourism struggles), plus COVID billions ($32B total to territories).
Foreign-dominated labor (60-70% estimates) leaks 20-30% as remittances/capital flight—$100-200M+ taxpayer money transferred to Philippines, China, Korea, Bangladesh.
Not aid—self-sabotage & American taxpayer funded capital flight.
CNMI under federal desk audit for $550M+ potentially defrauded funds.
FBAR prevents the next round, answers oversight's key question:
how much American money leaves abroad from American projects?
Refusal to track remittances?
Policy enabling wealth transfer.
CNMI knows workforce foreign-majority; remittances sustain sending nations.
Transparency exposes scale.
America First ends it.
Ghost money thrives: Chinese capital via casino shells, Filipino networks unchecked.
Territory drifts demographically/economically from U.S. control due to ongoing SINO-FILIPINO MARXIST REPOPULATION OF THE CNMI; American taxpayers pay for fraudulent jobs and cleanup (typhoons, pensions, debt).
Solution straightforward:
Enforce FBAR on every person in CNMI—no waivers, no exceptions, PERIOD...FULL STOP.
Add mandatory large-transfer remittance reporting (BSA mirror), auto data-sharing CNMI tax/FinCEN/IRS.
Require E-Verify for all commercial/nonprofit operations in the CNMI,
boost Boots-on-the-Ground ICE,
Mandate gran t compliance.
Washington tone:
not optional.
Next diversion + foreign wire?
Automatic FBAR referral.
Next IRS +FINCEN audit flag ASC TRUST + money laundering? + unreported holdings?
Audits zero.
Prosecution.
Zero tolerance.
America’s Pacific comeback closes this financial backdoor.
CNMI is American soil Again.
Locate and remove All Deportable non-American citizens
Real American workers deserve those dollars' opportunities.
Real American taxpayers deserve no laundering into Manila villas or Shanghai apartments.
FBAR isn’t a form—it’s a firewall.
Enforce it mainland-vigor in the CNMI: stronger frontier, not remittance colony.
Taxpayers paid enough.
Time to collect the receipts
About the Author
Zaji “Persona Non Grata” Zajradhara is a staunch advocate for American workers and indigenous rights in the CNMI. Labeled a “persona non grata” by the CNMI government for his whistleblowing & relentless pursuit of justice and his outspoken criticism of corruption and foreign influence, Zajradhara has become a symbol of resistance against the forces seeking to undermine American sovereignty in the islands.
As An Unemployed Afro-American resident and father, Zajradhara's firsthand experience with the CNMI’s dysfunctional labor market, its rigged political system, and the exploitation of vulnerable communities has fueled his activism. He has filed numerous legal claims against companies, including Tan Holdings, for violating labor laws and discriminating against American workers.
His unwavering commitment to exposing the truth, challenging the status quo, and demanding accountability has made him a thorn in the side of the CNMI establishment and a target of their efforts to silence him. However, Zajradhara remains undeterred, determined to fight for the rights of American workers and to protect the CNMI from the grip of foreign influence.
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