Beneficial Ownership Filing Penalty Exposure

Quantify the civil penalties that can accrue when Beneficial Ownership Information reports are filed late. Combine the days overdue and the number of entities affected to estimate per-entity fines, note when the statutory cap is hit, and project the total exposure if FinCEN determines the lapse was willful.

Calendar days since the BOI report was due.
Include each reporting company that missed the deadline.
Defaults to $500 per day per entity per FinCEN guidance when blank.
Defaults to $10,000 per entity if blank to reflect current law.
Defaults to 0%. Use to model enhanced penalties negotiated with FinCEN.

Consult with compliance counsel to confirm reporting deadlines and negotiated settlement terms. This tool does not provide legal advice.

Examples

  • 45 days late for 3 entities, defaults applied ⇒ Per-entity base penalty: $10,000.00 USD • Willful multiplier applied: 0.00% • Entities impacted: 3 • Total estimated exposure: $30,000.00 USD • Cap reached at $10,000.00 USD per entity.
  • 18 days late for 1 entity, $750 per-day penalty, 25% multiplier ⇒ Per-entity base penalty: $10,000.00 USD • Willful multiplier applied: 25.00% • Entities impacted: 1 • Total estimated exposure: $12,500.00 USD • Cap reached at $10,000.00 USD per entity.

FAQ

When do days late start counting?

Days accrue from the original filing deadline—usually 90 days after entity formation in 2024 and 30 days starting in 2025—until FinCEN receives a complete report.

Can I reduce penalties by self-reporting?

FinCEN has indicated that prompt self-disclosure and remediation can mitigate fines. Use the multiplier input to model potential reductions.

Do state-level penalties stack on top?

Some states plan their own enforcement regimes. Add those amounts manually to the total exposure shown here to capture the full liability.

Additional Information

  • FinCEN currently caps civil penalties at $500 per day up to $10,000 per violation for BOI reporting failures.
  • The multiplier input lets you simulate negotiated settlements that escalate penalties for willful violations.
  • Separate criminal penalties can apply; this calculator focuses on civil exposure only.

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