Step-by-Step Process to Open a Non-Banking Financial Institution (NBFI) in Bangladesh
By TRW Law Firm
🌐 Overview
Non-Banking Financial Institutions (NBFIs) play a critical role in Bangladesh's financial ecosystem. Unlike traditional banks, NBFIs do not accept demand deposits or issue cheques but provide a broad array of financial services such as leasing, loans, investments, venture capital, and asset management. Their primary objective is to enhance financial inclusion and supplement the operations of the banking sector.
In Bangladesh, NBFIs are regulated under the Financial Institutions Act, 1993, and supervised by Bangladesh Bank, the central bank. Establishing an NBFI is a highly structured process requiring compliance with a robust regulatory framework to ensure transparency, financial prudence, and macroeconomic stability.
This guide from TRW Law Firm outlines a comprehensive, step-by-step procedure for registering and operating an NBFI in Bangladesh.
Step-by-Step Process to Open a Non-Banking Financial Institution (NBFI) in BangladeshStep-by-Step Process to Open a Non-Banking Financial Institution (NBFI) in Bangladesh
✅ Step 1: Form a Public Limited Company
🔎 Description
The legal foundation for any NBFI begins with forming a Public Limited Company (PLC) under the Companies Act, 1994. This entity will operate the financial services business and apply for licensing with Bangladesh Bank.
📆 Procedure
Choose a unique name incorporating financial terminology like "Finance," "Investment," or "Capital."
Pay the name clearance fee (BDT 575) at a designated bank.
Upon receiving clearance, prepare the Memorandum of Association (MOA) and Articles of Association (AOA). These must specifically state the financial nature of business.
Submit the following forms to RJSC:
Form I: Declaration for registration
Form IX: Consent of directors
Form XII: Particulars of directors and officers
Pay registration fees and stamp duties (as determined by the share capital).
Obtain the Certificate of Incorporation from RJSC.
📄 Required Documents
Name clearance certificate
Draft MOA and AOA
Forms I, IX, and XII
NID/passport copies of shareholders and directors
Payment receipts for fees and stamp duty
For foreign investors:
Board resolution of the parent company
Notarized copies of incorporation documents
Encashment certificate for remitted capital
🌐 Step 2: Open a Company Bank Account
🔎 Description
A company bank account is needed for receiving capital investments and handling future transactions.
📆 Procedure
Choose a scheduled bank under the Bank Company Act, 1991.
Submit relevant documents and application forms.
Deposit the minimum paid-up capital of BDT 1 Billion, as required by Bangladesh Bank.
📄 Required Documents
Name clearance certificate
Draft MOA and AOA
NID/passport copies of directors/shareholders
Bank-specific forms
🔎 Step 3: Obtain Name Clearance from Bangladesh Bank
🔎 Description
The proposed company name must be cleared by Bangladesh Bank, ensuring it reflects the nature of the financial business.
📆 Procedure
Submit a formal application to the Financial Institutions and Markets Department.
Include a copy of RJSC name clearance and MOA/AOA.
Await Bangladesh Bank's confirmation.
📄 Required Documents
Application letter
RJSC name clearance
Draft MOA and AOA
📉 Step 4: Apply for an NBFI License from Bangladesh Bank
🔎 Description
A formal license from Bangladesh Bank is mandatory to operate as an NBFI.
📆 Procedure
Submit an application to the Financial Institutions and Markets Department.
Bangladesh Bank will assess:
Financial strength
Paid-up capital adequacy
Governance structure
Future earning potential
Public interest
Submit a 3–5 year business plan, including projected financial statements.
Deposit a security reserve fund as instructed by Bangladesh Bank.
📄 Required Documents
Application letter
Certificate of Incorporation
Approved MOA and AOA
Shareholder and director details (CVs, financial info, proof of no defaults)
3–5 year business plan with financial projections
Encashment certificate for capital remittance
Bank statement showing reserve fund
Auditor certificate verifying net owned funds
Tax returns of directors and the company
Credit reports from authorized agencies
✉️ Step 5: Post-Licensing Compliance
🔎 Description
Licensed NBFIs must adhere to ongoing compliance regulations issued by Bangladesh Bank.
📆 Procedure
Maintain minimum paid-up capital continuously
Follow Bangladesh Bank’s Code of Conduct for NBFIs
File annual returns with RJSC:
Schedule X: Share capital and shareholders summary
Form 23B: Auditor appointment
Financials: Balance Sheet and P\&L
Maintain Statutory Liquidity Ratio (SLR):
5% total (2.5% as Cash Reserve Requirement (CRR), 2.5% in liquid assets)
NBFIs not taking term deposits: only 2.5% CRR
Submit semi-annual financial reports to Bangladesh Bank
Avenues to Receive Currency from a Foreign Jurisdiction in Bangladesh
By TRW Law Firm
Bangladesh has become a significant remittance-dependent economy, with over USD 20 billion received annually from millions of Bangladeshi nationals working abroad. Whether sent for family support, investments, education, or commercial transactions, foreign remittances are crucial for economic stability and personal sustenance. However, receiving foreign currency in Bangladesh must follow strict legal and regulatory protocols. These regulations are primarily governed by the Foreign Exchange Regulation Act, 1947, and administered by Bangladesh Bank, the nation’s central regulatory authority.
In this comprehensive TRW Law Firm guide, we explore the legal avenues to receive foreign currency in Bangladesh, the detailed procedures for each method, available incentives such as the 5% or 2.5% remittance cash incentive, and compliance obligations under Bangladeshi law.
⚖️ Regulatory Framework for Receiving Foreign Currency
Before delving into the different channels, it is essential to understand the regulatory ecosystem governing foreign currency inflows:
🔳 Foreign Exchange Regulation Act, 1947 This Act regulates payments, dealings in foreign exchange and securities, and the import/export of currency. It authorizes Bangladesh Bank to monitor and control all such transactions.
🔳 Bangladesh Bank’s Foreign Exchange Transaction Guidelines These comprehensive guidelines cover every aspect of remittance transactions including approval processes, account opening, permissible limits, and compliance obligations.
🔳 Money Laundering Prevention Act, 2012 This Act obligates all financial institutions to conduct due diligence and monitor transactions to prevent illegal remittance or trade-based money laundering.
🏦 1. Direct Bank Transfers
Overview
The most conventional and secure method to receive foreign remittances in Bangladesh is via direct bank transfers. This applies to both individual and corporate beneficiaries. Authorized dealer banks (ADs) such as Dutch-Bangla Bank, Sonali Bank, Standard Chartered, and Social Islami Bank facilitate these transactions under the surveillance of Bangladesh Bank.
Initiates the remittance via an overseas bank with SWIFT or through digital banking platforms.
Settlement Time: Generally within 2–3 business days.
Currency Conversion: Foreign currency is automatically converted to Bangladeshi Taka at official exchange rates unless sent to FC accounts.
Incentives & Conditions:
✅ 2.5% or 5% Government Incentive on remittances sent by Bangladeshi wage earners ✅ Applicable only if the sender is a Bangladeshi national working abroad legally ✅ Payment must be made into an individual savings account to qualify for the incentive
📱 2. Mobile Wallet Transfers (bKash, Rocket, iPay)
Overview
Mobile wallet services have democratized remittance access, especially for recipients in rural or underserved areas. Licensed by Bangladesh Bank, platforms such as bKash (backed by BRAC Bank) and Rocket (Dutch-Bangla Bank) allow instant remittance disbursals.
Process:
The sender uses an MTO (e.g., Western Union, MoneyGram, Xoom) or a digital remittance partner to initiate a transfer.
The sender provides:
Recipient’s mobile number (linked to wallet)
Valid identification
MTCN (Money Transfer Control Number)
Recipient gets notified via SMS, and the balance appears instantly.
The recipient may cash out at any agent point or ATM.
Transfer Limits:
Maximum: BDT 250,000 per transaction (bKash)
No cap on frequency
Government Incentives:
✅ Eligible remittances receive a 5% incentive, credited directly to the wallet ✅ Must be sent through legally licensed remittance providers
💵 3. Cash Pickup at Agent Locations
Overview
Another popular method for those without bank accounts is cash pickup, available at agent locations nationwide such as banks and MTO partner outlets. This is suitable for recipients who prefer immediate access to cash.
Process:
The sender initiates a transaction through a provider like Western Union, Ria, or MoneyGram.
Provides:
Full name of the recipient (matching their ID)
MTCN or similar reference code
The recipient visits a designated bank or pickup agent, presents a valid ID and MTCN, and collects the cash.
Transaction Limits:
Max pickup per transaction: BDT 100,000
Larger amounts must be credited to bank accounts
Incentives:
✅ 5% incentive applies to legally transferred remittances ✅ Banks handling the transaction claim reimbursement from Bangladesh Bank
🏢 4. Money Transfer Organizations (MTOs) and Exchange Houses
Overview
MTOs such as Western Union, Ria, Xpress Money, and licensed foreign exchange houses offer a wide network for remittance transfers. These organizations operate under drawing arrangements with Bangladeshi banks, which are pre-approved by Bangladesh Bank.
Process:
Sender initiates a transfer through MTO’s web/app or exchange house.
The MTO channels the funds via its drawing arrangement partner bank in Bangladesh.
Funds are then credited to:
Bank account
Mobile wallet
Cash pickup option
Speed:
Transfers typically complete within 24–48 hours depending on intermediary bank procedures.
Documentation for High-Value Transfers:
For amounts above BDT 500,000, income proof or source of funds (e.g., employment letter, license) may be required.
Government Incentives:
✅ 5% remittance incentive is claimable ✅ Must be routed through authorized banks and MTOs
🌐 5. Non-Resident Taka Accounts (NRTA) and Foreign Currency Accounts
Overview
For foreign investors or non-resident Bangladeshis, NRTA and FC accounts provide dedicated, compliant avenues to receive remittances, especially for business or investment purposes.
NRTA Account Features:
Can be opened without prior Bangladesh Bank approval
Intended for proposed businesses or investments
Post-business registration, funds can be shifted to operational accounts
Foreign Currency Account Features:
Can hold USD, GBP, EUR
Interest on NFCDs is tax-free
Principal and interest are freely repatriable
Requirements:
Valid proof of non-residency (e.g., passport with visa/work permit)
Documents such as bills of entry, invoices, or capital machinery import permits if linked to investments
Legal Protections:
✅ Free repatriation is guaranteed under Bangladesh Investment Development Authority (BIDA) regulations ✅ Protected from currency control risks if accounts are compliant
🧾 6. Demand Drafts, Telegraphic Transfers & Other Traditional Channels
Overview
While now largely obsolete, traditional methods like Demand Drafts (DDs), Telegraphic Transfers (TTs), Traveler’s Cheques, and Postal Orders are still legally valid and occasionally used by conservative remitters or legacy institutions.
Process:
Sender purchases DD from an overseas bank or exchange house
Sends DD physically to the recipient in Bangladesh
Recipient presents it to a local bank for clearing (usually 3–5 business days)
Funds are credited to the recipient’s account
Incentives:
✅ 5% government remittance incentive is available if documentation confirms sender is a wage earner abroad ✅ Must be processed through a bank with drawing arrangements with the foreign sender’s institution
💼 Special Cases: Commercial Inflows and Large Remittances
For Companies and Startups:
Businesses receiving inward remittances must register the source of funds
All receipts must be reported under current account transactions or capital account transactions
Firms importing machinery or capital goods must submit:
Commercial invoice
Proforma invoice
Letter of credit or T/T proof
Import registration certificate
For Charities and NGOs:
NGOs must have prior approval from NGO Affairs Bureau
Funds should be routed through designated FC accounts
Annual fund use reports and audits are mandatory
✅ Best Practices and Legal Compliance
To ensure smooth foreign currency transactions and avoid legal complications, consider the following:
Always Use Authorized Channels Avoid informal “hundi” or illegal remittance methods, which are punishable under the Money Laundering Prevention Act.
Maintain Documentation Keep a record of:
Sender’s passport/work permit
Bank remittance slip or MTCN
Purpose of remittance
Register Foreign Investments Report foreign equity or loan inflows to Bangladesh Bank via your authorized dealer bank.
Know Your Rights Consult legal counsel when handling high-value or commercial remittances, to ensure compliance with:
Anti-Money Laundering (AML) rules
Tax regulations
Investment registration protocols
🔚 Conclusion: Securely Receiving Foreign Currency in Bangladesh
Bangladesh offers multiple legitimate avenues to receive foreign currency from overseas — from direct bank transfers and mobile wallets to MTOs, NRTA, and traditional banking instruments. These channels are regulated to ensure transparency, protect recipients, and uphold the integrity of the financial system.
At TRW Law Firm, we assist individuals, families, investors, and corporate entities with all aspects of foreign currency remittance and investment compliance. Whether you are sending support to loved ones or planning a multimillion-dollar investment in Bangladesh, our legal experts can help you:
Choose the best remittance structure
Comply with Bangladesh Bank regulations
Obtain required permissions or clearances
Claim government incentives
Structure inward investments efficiently
📊 Summary Table: Avenues to Receive Currency in Bangladesh
Method
Recipient Type
Speed
Max Amount (General)
Govt. Incentive
Special Notes
Bank Transfer (Savings Account)
Individuals
2–3 days
No cap
✅ 2.5%–5%
SWIFT required
Mobile Wallet (bKash, Rocket)
Individuals
Instant
BDT 250,000/txn (bKash)
✅ 5%
MTCN required
Cash Pickup at Agent Location
Individuals (No account)
Within minutes
BDT 100,000
✅ 5%
ID & MTCN needed
MTOs & Exchange Houses
Individuals/Entities
1–2 days
Depends on provider
✅ 5%
Drawing arrangement needed
NRTA / FC / NFCD Accounts
Non-residents/Investors
1–3 days
No cap
❌ (Interest tax-free)
Proof of non-residency
Demand Drafts / TTs / Cheques
Individuals/Businesses
3–5 days
Depends on issuer
✅ 5%
Rarely used today
📞 Contact TRW Law Firm
Let us assist you with foreign remittance structuring, compliance, and legal documentation in Bangladesh.
TRW Law Firm – Global Legal Expertise 📍 Dhaka: House 410, Road 29, Mohakhali DOHS 📍 Dubai: Rolex Building, L-12 Sheikh Zayed Road
A Complete Guide to the Affidavit of Support for Green Card Sponsors
By TRW Law Firm – U.S. Immigration Practice Division Updated: January 31, 2025
Introduction
If you're sponsoring a family member for a U.S. green card, one of the most important documents you’ll file is Form I-864, the Affidavit of Support. This form is a legally enforceable contract in which a U.S. citizen or permanent resident sponsor agrees to take financial responsibility for the intending immigrant.
The U.S. government uses the Affidavit of Support to ensure that new immigrants will not become public charges and that they will have adequate financial support once granted permanent residence.
This guide by TRW Law Firm will walk you through the purpose, requirements, and responsibilities of Form I-864 — and how to avoid the common pitfalls that delay green card approvals.
Form I-864, Explained
What Is Form I-864?
Form I-864 is an official document issued by U.S. Citizenship and Immigration Services (USCIS). It is required in most family-based and some employment-based immigration cases. It demonstrates that the sponsor:
Has enough income or assets to support the immigrant at a minimum level,
Agrees to reimburse the government for any public benefits the immigrant may use, and
Will maintain the immigrant at 125% of the Federal Poverty Guidelines until the sponsorship ends.
This legally binding agreement remains enforceable until specific conditions are met — making it one of the most serious obligations in family-based immigration.
Who Needs to Submit Form I-864?
Form I-864 is required for most applicants applying for a green card through:
Some employment-based categories, when a relative owns 5% or more of the sponsoring business
The main sponsor is usually the petitioner (the U.S. citizen or lawful permanent resident who filed Form I-130 or I-129F). However, additional or joint sponsors may be required if the petitioner doesn't meet the financial threshold alone.
Who Qualifies as a Sponsor?
To be a primary sponsor for Form I-864, you must:
Be at least 18 years old
Be a U.S. citizen or green card holder
Be domiciled in the United States (or plan to reestablish domicile)
Show sufficient income or assets to meet the minimum financial requirements
If the primary sponsor doesn’t meet the income requirement, they can enlist:
A joint sponsor (unrelated to the immigrant),
A household member (using Form I-864A), or
The immigrant’s own income, if the income will continue after immigration.
When Is Form I-864 Required?
You’ll need to submit Form I-864 at one of two points in the immigration process:
For applicants inside the U.S. (Adjustment of Status): Form I-864 is submitted alongside Form I-485.
For applicants outside the U.S. (Consular Processing): The petitioner submits Form I-864 to the National Visa Center (NVC) after USCIS approves the immigrant petition. The NVC then forwards the I-864 to the relevant U.S. consulate.
Income Requirements for Form I-864
The financial sponsor must show income equal to or above 125% of the Federal Poverty Guidelines (100% for sponsors on active U.S. military duty sponsoring a spouse or child). These guidelines vary based on household size and location.
Household Size
When calculating household size, include:
The sponsor
The sponsor’s spouse
Any dependent children
Any other dependents claimed on taxes
The intending immigrant
Any previously sponsored immigrants (unless the obligation has ended)
Income Sources That Count
Wages or salary
Self-employment income
Pension or retirement income
Child support or alimony received
Rental income
Dividends or interest
If the sponsor’s income is insufficient, they may use:
The immigrant’s income (if it will continue after green card issuance)
Household member’s income (via Form I-864A)
Assets
Using Assets to Qualify
Sponsors can use liquid assets to meet the income requirement shortfall. This includes:
Savings accounts
Certificates of deposit
Stocks and bonds
Real estate (equity only)
To calculate asset sufficiency:
For spouses: assets must equal 3 times the income shortfall
For others: assets must equal 5 times the shortfall
Assets must be readily convertible to cash within one year and belong to the sponsor, the immigrant, or a qualifying household member.
Duration of Financial Responsibility
A sponsor’s financial obligations continue until one of the following occurs:
The immigrant becomes a U.S. citizen
The immigrant earns 40 quarters (10 years) of U.S. work credit
The immigrant dies
The sponsor dies
The immigrant permanently leaves the U.S.
Divorce does not end the sponsor's obligation. A sponsor remains liable for reimbursing the U.S. government for certain public benefits used by the immigrant during this time.
Public Benefits and Reimbursement
Under federal law, if the immigrant receives means-tested public benefits, the sponsoring individual may be required to repay the government.
These benefits may include:
Medicaid (in some states)
TANF (Temporary Assistance for Needy Families)
SSI (Supplemental Security Income)
Not all benefits trigger this liability. Sponsors are not required to repay for:
Emergency Medicaid
Public school enrollment
Immunizations and testing
Children’s Health Insurance Program (CHIP)
USCIS reviews the sponsor’s affidavit as part of the public charge analysis but uses other criteria in parallel, including health, age, education, and skills.
Submit online via the CEAC portal, usually after receiving instructions from the National Visa Center (NVC).
Each sponsor (main or joint) must complete a separate Form I-864 and submit all supporting documentation individually.
Required Supporting Documents
When submitting Form I-864, include:
Most recent federal tax return (Form 1040)
W-2 or 1099 forms
Evidence of current income (e.g., recent pay stubs or letter from employer)
Proof of U.S. citizenship or permanent residency (passport, naturalization certificate, or green card copy)
If using assets:
Bank statements
Property appraisals
Title deeds
Proof of ownership and value
If including a household member:
Form I-864A signed by the household member
Proof of residency at the same address
Documentation of that household member’s income or assets
Types of Form I-864
There are several variations of Form I-864, depending on the sponsor’s circumstances:
Form I-864: Standard Affidavit of Support
Used in most cases. Required when a sponsor is submitting evidence for family or employment-based immigrants.
Form I-864EZ
Simplified version. Eligible if:
Sponsoring only one person
No joint sponsors or household members are involved
Only income (not assets) is used
Form I-864A
Required if a household member’s income or assets are being included.
Form I-864W
Used to waive the Affidavit of Support. Possible if:
The immigrant has 40 quarters of U.S. work
The immigrant is a child of a U.S. citizen and will become a citizen upon admission
Other limited exceptions apply
Frequently Asked Questions (FAQs)
Can I file Form I-864 online?
Yes, if your case is processed through the NVC, you can submit the form via the CEAC portal. If you're filing with USCIS (such as with Form I-485), submit a paper version to the designated USCIS address.
Can a friend or relative be a joint sponsor?
Yes. The joint sponsor does not need to be related to the immigrant. However, they must be a U.S. citizen or permanent resident, at least 18 years old, and domiciled in the U.S.
Each joint sponsor must file a separate Form I-864.
How long is Form I-864 valid?
The sponsor’s obligation continues until one of the termination conditions (e.g., citizenship, 40 quarters, or death) occurs. There is no expiration date on the form once filed with USCIS or NVC, but always use the most current edition.
What if I’ve previously sponsored someone?
Anyone you previously sponsored must be counted in your household size unless your obligation to them has officially ended. This is important in calculating financial eligibility.
When do I file I-864 in a fiancé or K-3 visa case?
You do not file I-864 when submitting Form I-129F for a fiancé or K-3 spouse. Instead, file the I-864 once your partner arrives in the U.S. and files Form I-485 for Adjustment of Status.
Common Mistakes to Avoid
Using outdated versions of the form
Submitting incomplete or unsigned forms
Forgetting to include required tax returns and W-2s
Incorrectly calculating household size
Failing to convert foreign assets to U.S. dollars
Missing CEAC upload deadlines for consular processing cases
How TRW Law Firm Can Help
The Affidavit of Support is a binding contract with legal and financial implications. At TRW Law Firm, we help clients:
Accurately calculate household income
Compile documentation
Identify joint sponsors when needed
Avoid red flags that could delay or jeopardize green card approval
Whether you’re sponsoring a spouse, parent, sibling, or child, our legal team can ensure your Form I-864 is complete, compliant, and ready for USCIS or NVC review.
Most family-based and some employment-based green card applications
Who Can Sponsor
U.S. citizen or green card holder, age 18+, domiciled in U.S.
Minimum Income
125% of Federal Poverty Guidelines (100% for active-duty military)
Alternate Financial Proof
Assets or joint sponsors
Filing Method
USCIS (paper) or NVC (online via CEAC)
Validity of Obligation
Until immigrant becomes citizen, earns 40 quarters, or permanently departs
Associated Forms
I-864EZ, I-864A, I-864W
Key Supporting Documents
Tax returns, W-2s, pay stubs, proof of status, and proof of income/assets
Common Pitfalls
Incorrect income calculations, missing signatures, outdated form usage
Need assistance with Form I-864 or green card sponsorship? Book a consultation with TRW Law Firm today for reliable, expert immigration support from petition to approval.
A Step-by-Step Guide to Upgrading Your Conditional Green Card to a 10-Year Permanent One
By TRW Law Firm – U.S. Immigration Practice Division Updated March 2025
What is Form I-751?
Form I-751, officially titled the “Petition to Remove Conditions on Residence,” is the immigration form required for conditional permanent residents (CPRs) who obtained their green card through marriage to a U.S. citizen or lawful permanent resident (LPR). Unlike standard green cards valid for 10 years, a conditional green card is valid for just 2 years.
To remain in lawful status, conditional green card holders must file Form I-751 before their card expires. Upon approval, they receive a 10-year permanent resident card, confirming that the marriage was entered into in good faith and not for immigration purposes.
Note: Conditional permanent residents under the EB-5 investment route should file Form I-829 instead.
Who Must File Form I-751?
You must file Form I-751 if you received a conditional green card based on marriage and your marriage was less than two years old at the time of green card approval. You can check if you’re a conditional resident by looking at the “Category” on your green card—if it says “CR1,” you hold a conditional green card.
Conditional green cards cannot be renewed. If you fail to timely file Form I-751, you risk losing your permanent resident status and may be placed in removal proceedings.
When Should You File Form I-751?
Joint Filing with Your Spouse
If you are still married to your U.S. citizen or LPR spouse, you must file Form I-751 within the 90-day period before your conditional green card expires. Filing too early or after the expiration date may result in a denial.
Example: If your green card expires on September 1, 2025, the filing window opens on June 3, 2025.
Filing with a Waiver
If you are unable to file jointly with your spouse due to divorce, abuse, the spouse’s death, or other factors, you can file Form I-751 at any time after obtaining conditional residence. USCIS allows waiver applications under these specific circumstances.
Understanding the I-751 Waiver
USCIS may waive the joint-filing requirement if:
Your marriage ended in divorce or annulment but was entered into in good faith.
You were abused or subjected to extreme cruelty by your spouse.
Your spouse has died.
You would suffer extreme hardship if removed from the U.S.
In these cases, you must include supporting documents such as divorce decrees, death certificates, police reports, and affidavits from people familiar with your situation. Even with a waiver, you must prove the marriage was genuine.
How to Complete Form I-751
Form I-751 has ten parts and must be filed by mail. You can either fill out the form online and print it or complete a printed blank form in black ink.
Part 1: Information About You
This section asks for your name, A-number (found on your green card), USCIS online account number (if applicable), date of birth, current address, and marital status.
Part 2: Biographic Information
Provide physical characteristics such as height, weight, hair color, and eye color, as well as your ethnicity and race.
Part 3: Basis for Petition
Indicate whether you are filing jointly or applying for a waiver based on one of the accepted grounds.
Part 4: Information About Your Spouse
Include your spouse’s name, A-number, date of birth, and address.
Part 5: Information About Children
List all children you are including in the petition, with their names, dates of birth, and A-numbers.
Part 6: Disability Accommodations
If you have a disability or impairment, you may request accommodations from USCIS in this section.
Parts 7–8: Signatures
The petitioner signs Part 7. If filing jointly, your spouse signs Part 8.
Parts 9–10: Interpreter and Preparer
If someone else completed your form or translated it, they must fill out their information and certify their assistance.
Supporting Documentation
You must submit the following documents with your Form I-751:
Copy of your conditional green card (front and back)
Two passport-style photographs
Proof of a genuine marriage, such as:
Joint tax returns
Lease or mortgage agreements with both names
Joint bank account statements
Birth certificates of children
Photos, affidavits from friends or family
If applying for a waiver:
Divorce decree or death certificate
Police reports or medical evaluations in abuse cases
Detailed written explanation of hardship or extraordinary circumstances (for late filings)
If filing from abroad due to military/government service:
Two passport photos
FD-258 fingerprint cards
Copy of official orders
Write “ACTIVE MILITARY” or “GOVERNMENT ORDERS” on the top of your I-751
Filing Fee
As of 2025, the USCIS fee for Form I-751 is $750. This includes the biometric services fee.
Payment can be made by:
Personal check
Money order
Cashier’s check
Credit card via Form G-1450
USCIS does not refund the fee if your petition is denied. You may request a fee waiver using Form I-912, based on low income, receipt of public benefits, or financial hardship.
After You File
Receipt Notice (Form I-797)
USCIS will mail you a receipt notice confirming that they received your Form I-751. This notice extends your green card’s validity by 24 months and serves as temporary proof of lawful status when shown with your expired green card.
Biometrics Appointment
USCIS will schedule a biometrics appointment to collect your fingerprints and photograph. Attending this appointment is mandatory.
Request for Evidence (RFE)
If your form is incomplete or your documents are insufficient, you may receive an RFE. Respond promptly to avoid delays.
Interview
In most cases, you will be required to attend a USCIS interview, especially if filing individually or if there are inconsistencies in your file. Bring original documents.
Final Decision
If approved, USCIS will mail you a new 10-year green card. If denied, you may receive a Notice to Appear (NTA) for immigration court. You may submit a new Form I-751 based on different grounds and request a delay in removal proceedings while your new petition is reviewed.
Processing Time
As of 2025, the average processing time for Form I-751 is between 12 to 27 months. Some cases, especially those involving interviews or waivers, may take up to 36 months.
To check your case status, visit the USCIS Case Status page and enter your receipt number.
Can I Apply for U.S. Citizenship While I-751 Is Pending?
Yes. You may apply for naturalization using Form N-400 even while your I-751 is pending, as long as you meet the eligibility criteria.
For spouses of U.S. citizens, this typically means:
You’ve been married and living together for at least three years
You’ve been a conditional/permanent resident for three years
You meet physical presence and good moral character requirements
Submit a copy of your I-751 receipt with your N-400 application. USCIS may review both applications simultaneously.
Can I Travel While My I-751 Is Pending?
Yes, but you must carry:
Your expired green card
Your I-797 receipt notice extending its validity
A valid passport
Avoid trips longer than six months unless absolutely necessary, as they may disrupt your continuous residence requirement for naturalization.
Common Reasons for Denial
Late filing without justification
Lack of evidence of a genuine marriage
Missed appointments or failure to respond to RFE
Incomplete form or incorrect filing location
Evidence suggesting marriage fraud
If your application is denied, consult TRW Law Firm immediately to explore your options, including re-filing or defending your case in immigration court.
Should I Include a Cover Letter?
A cover letter is not required, but highly recommended in complex cases. It allows you to:
Explain unusual circumstances (e.g., living separately, divorce during filing)
List the documents submitted
Provide a summary of your case
Keep the letter concise, factual, and professional. Either spouse may write it.
Contact TRW Law Firm
TRW Law Firm provides expert immigration services for individuals and families transitioning from conditional to permanent residency. Our services include:
I-751 joint petition and waiver preparation
Document checklists and affidavit guidance
Interview coaching and representation
Concurrent naturalization filing (N-400)
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Form I-94, Explained: How the Arrival/Departure Record Tracks U.S. Entry and Exit—and Why It Matters By TRW Law Firm – Your Global Immigration Authority
🛂 Introduction: What Is Form I-94?
Form I-94, officially known as the “Arrival/Departure Record,” is a critical document issued by the U.S. Department of Homeland Security (DHS) to track the entry and exit of noncitizens to and from the United States. Whether you’re entering the U.S. as a tourist, student, temporary worker, or business visitor, this record:
Proves your legal entry into the country
Shows your admission classification
Indicates how long you can legally remain
Helps track your immigration status and history
While often overlooked, errors or omissions on your I-94 can lead to visa complications, overstays, and even bans. Understanding this document is vital for maintaining legal immigration status.
📘 Who Needs a Form I-94?
You’ll receive or need an I-94 if you are:
A non-U.S. citizen entering the U.S. on a temporary visa A student (F-1, M-1, or J-1) A temporary worker on visas like H-1B, L-1, or O-1 A business visitor entering on a B-1 visa A tourist (B-2 visa) Changing your status within the U.S. Extending your stay or adjusting to permanent residency Re-entering the U.S. after a temporary absence
❌ You Don’t Need an I-94 If:
You’re a U.S. citizen or green card holder
You enter with an immigrant visa
You are a Canadian citizen visiting for under 6 months
You’re using the Visa Waiver Program (VWP)—you’ll receive Form I-94W instead
✈️ How Form I-94 Is Issued
🛫 By Air or Sea
You receive an electronic I-94 automatically upon arrival
CBP stamps your passport with the entry date and classification
The stamp includes your “Admit Until Date” or “D/S” (Duration of Status)
You can access the record via the CBP I-94 website or CBP One™ app
🚗 By Land
You can pre-apply for your I-94 using the CBP One™ app or website
Once you arrive at the land port of entry, you’ll receive an electronic I-94
Paper I-94s are no longer automatically issued unless requested
Canadians crossing by land may be exempt unless staying more than six months
🌐 Using the Visa Waiver Program (VWP)
VWP travelers use Form I-94W instead
You must have a valid ESTA (Electronic System for Travel Authorization) before boarding
📍 Where to Find Your “Admit Until Date”
This date is critical and determines how long you may remain in the U.S. legally:
It appears on your passport stamp and electronic I-94
Students and exchange visitors may see “D/S” (Duration of Status)—meaning they can stay as long as they maintain valid student or exchange status
Others will receive a specific departure date
📌 It’s your responsibility to depart before or on your I-94 expiration date or file a timely extension.
🧾 How to Access and Print Your I-94 Record
You can access your I-94 online or through the CBP app.
📱 CBP One™ Mobile App
Download the app
Navigate to the I-94 section
Enter your details as they appear on your passport
Each I-94 form is assigned a unique 11-character identifier:
First 9 characters: Numbers
10th character: A letter
11th character: A number
This number is used by:
Employers (for Form I-9 verification)
DMV (for issuing driver’s licenses)
USCIS (for visa extensions or changes of status)
📝 Your I-94 number changes with every new entry into the United States.
💰 How Much Does It Cost?
Arriving by air/sea: Free (electronic issuance)
Arriving by land: \$6 (when pre-applying online or via CBP One™)
Form I-102 (replacement): \$560 filing fee
📝 Applying for a New I-94
If you’re entering via land, you can pre-register online:
Go to CBP One™ or the I-94 website
Pay the \$6 fee
Arrive at the border within 7 days of your online application
Bring:
Passport
Visa (if applicable)
Proof of residence and work
Travel documentation (hotel, itinerary, or invitation letter)
🔁 Leaving the U.S.: How Departure Is Tracked
Mode of Exit
Tracking Method
Air/Sea
Automatically recorded via carrier data
Land
You must surrender paper I-94 (if issued) or retain evidence of departure
✅ Examples of Proof of Exit:
Passport entry stamp (e.g., Canada, Mexico)
Transportation tickets
Hotel receipts
Pay stubs from outside the U.S.
Proper documentation ensures that DHS knows you left the country on time, maintaining a clean immigration record.
📂 Replacing a Lost I-94
🔄 If You Arrived Before April 2013
You must file Form I-102 with USCIS
Include a \$560 filing fee
Provide supporting documents (passport copy, visa, entry stamp)
🔄 If You Arrived After April 2013
Visit the CBP I-94 website
Retrieve your electronic record for free
Contact CBP at 1-877-CBP-5511 for assistance
🕵️ Requesting I-94 Records via FOIA
If the online system fails to retrieve your I-94 or travel history, you may file a Freedom of Information Act (FOIA) request:
3 Ways to Submit a FOIA Request:
Online through DHS: Fastest
Paper Form G-639: Slower, more formal
Written Letter: Must include:
Full name, address, and contact info
Specific description of requested records
Notarized signature
Willingness to pay copy fees
⚠️ FOIA requests may take up to a year to process.
🧾 Alternative Documentation If I-94 Is Unavailable
If your I-94 is lost or never issued and other retrieval efforts fail:
You must submit:
Notarized affidavit explaining:
Date/place of entry
Type of visa
Questions asked by the CBP officer
Secondary evidence, such as:
Boarding pass
Travel receipt
Copy of your parent’s passport (if you were a minor)
Affidavits from at least 2 others who witnessed your entry
📈 Recent Changes to Form I-94 and Related Policies (2024–2025)
Change
Who It Affects
Summary
Electronic I-94 at land borders
All noncitizens
No more paper I-94s; access online or via CBP One™
I-515A now email-submitted
F, M, J visa holders
Form I-515A documents now emailed, not mailed
Ukraine parole extension
Ukrainian nationals
Stay extended through Sept 30, 2024
Form I-9 extension
U.S. employers
Now valid until May 31, 2027
CBP One™ updates
All noncitizens
Easier I-94 retrieval, travel history access
I-94 website upgrades
All travelers
Better compliance tracking, faster lookup
🧠 Frequently Asked Questions (FAQs)
❓ How can I check my I-94 travel record?
Visit the CBP I-94 portal or CBP One™ app
Use your passport details to log in
❓ What if my I-94 has incorrect information?
If issued by CBP: Visit a Deferred Inspection Site
If issued by USCIS: File Form I-102
❓ Can I use a paper I-94 and electronic record together?
Yes, but inconsistencies may arise. Always ensure your departure is recorded if leaving via a land border.
❓ What’s the difference between I-94 and I-94W?
I-94: For most nonimmigrant visa holders
I-94W: For Visa Waiver Program travelers with ESTA
❓ How do I prove I left the U.S.?
Entry stamp in Canada or Mexico
Flight tickets
Receipts or pay stubs abroad
❓ What is the “View Compliance” feature?
Tells you how many days remain in the U.S.
Flags overstays
Provides steps for compliance
🤝 How TRW Law Firm Can Help
TRW Law Firm helps individuals and companies understand and maintain lawful status in the U.S., including:
✅ I-94 corrections and retrieval ✅ FOIA record requests ✅ Overstay advisories ✅ Change of status guidance ✅ Visa extensions and re-entry strategy ✅ Adjustment of status representation
From visa petitions to compliance auditing, we ensure you don’t miss a critical document like the I-94 that can impact your immigration future.
For any issues involving your Form I-94, reach out to TRW Law Firm — where your legal status, peace of mind, and future immigration goals are our top priority.
