“Mani, my mutual fund SIP just got rejected. The AMC says something about FATCA compliance. What is this?”
I get this question almost every week on our WhatsApp groups.
FATCA is one of those compliance requirements that catches NRIs off guard. You’re going about your business – investing in mutual funds, maintaining bank accounts in India, running your NPS – and suddenly a form pops up that you’ve never heard of.
And if you ignore it? Your accounts can get frozen. Your SIPs can get blocked. Your investments can come to a halt.
The good news is, FATCA compliance is actually simple once you understand what it is, who it applies to, and what you need to do.
I’ve broken it all down here.
What Is FATCA?
FATCA stands for Foreign Account Tax Compliance Act.
It’s a US law, enacted in 2010 under the Obama administration. The goal was straightforward – prevent US taxpayers from hiding money in foreign accounts to avoid paying taxes.
Here’s how it works:
- The US government told banks and financial institutions worldwide: “If you have American customers, you need to tell us about their accounts.”
- Countries that didn’t cooperate would face a 30% withholding tax on US-source payments to their financial institutions.
- India signed an Inter-Governmental Agreement (IGA) with the US in 2015, making FATCA compliance mandatory for all Indian financial institutions.
Because of this agreement, every Indian bank, mutual fund company, insurance company, and brokerage now collects FATCA information from their customers.
This is why your bank or AMC asks you to fill out a “FATCA/CRS self-declaration” when you open an account or make an investment.
Who Does FATCA Affect?
This is where confusion starts. FATCA affects two different groups in two different ways.
Group 1: Indian Financial Institutions (Banks, AMCs, Insurers)
They’re required to identify accounts held by US persons (US citizens, Green Card holders, US tax residents) and report those accounts to Indian tax authorities, who then share the information with the IRS.
Group 2: US Taxpayers with Foreign (Indian) Assets
If you’re a US person – meaning US citizen, Green Card holder, or US tax resident (like an NRI on H1B in the US) – and you hold financial assets in India above certain thresholds, you must report those assets to the IRS on Form 8938.
Let me break this down further based on your specific situation.
FATCA Based on Your Situation
If You’re an NRI Living in the US (H1B, L1, Green Card)
FATCA hits you from both sides.
Side 1 – India asks you to self-declare:
Every Indian bank, mutual fund, insurance company, and brokerage will ask you to submit a FATCA self-declaration form. This form asks:
- Your country of tax residence (you’ll say USA)
- Your Tax Identification Number (your SSN or ITIN)
- Your country of citizenship
- Your country of birth
- Whether you’re a “US Person” (you’ll say Yes)
Once you declare this, the Indian financial institution reports your account details to Indian tax authorities (CBDT), who share it with the IRS under the India-US IGA.
Side 2 – The US asks you to report Indian assets:
If your Indian financial assets cross certain thresholds, you must file Form 8938 with your US tax return.
This is in addition to your FBAR filing obligation.
If You’re an NRI Living Outside the US (UAE, UK, Canada, Singapore)
FATCA primarily affects US persons. If you’re an Indian citizen living in Dubai or London with no US tax connection, FATCA’s reporting requirements to the IRS don’t apply to you.
However, you’ll still need to fill out the FATCA/CRS self-declaration for Indian financial institutions. This is because India also participates in CRS (Common Reporting Standard) – a global version of FATCA covering 100+ countries.
Your Indian bank needs to know your tax residency to comply with both FATCA and CRS. So you’ll declare your tax residence as UAE, UK, Canada, etc.
If you’re in the UAE (which has no income tax), you’ll still need to provide your UAE tax residency details.
If You’ve Returned to India
If you’ve come back and are now a tax resident of India, FATCA’s US reporting requirements don’t apply to you (unless you’re a US citizen or Green Card holder).
But you’ll still fill out the FATCA/CRS self-declaration for your Indian accounts, declaring India as your country of tax residence.
If you recently returned and still hold a US Green Card or US citizenship, FATCA continues to apply until you formally renounce/surrender that status.
Read our guide on the financial checklist for returning NRIs for more on this transition.
The Two Sides of FATCA – A Quick Summary
| Aspect | FATCA Self-Declaration (India Side) | Form 8938 (US Side) |
|---|---|---|
| What is it? | A form you give to Indian banks/AMCs/insurers | A form you file with IRS |
| Who must do it? | Everyone with Indian financial accounts | US persons with foreign assets above threshold |
| Filed with | Your Indian financial institution | IRS (attached to tax return) |
| Purpose | Helps India identify reportable accounts | Reports your foreign assets to IRS |
| Penalty for non-compliance | Account freeze, SIP rejection, investment blocks | $10,000 to $60,000+ IRS penalties |
Part 1: FATCA Self-Declaration (The India Side)
This is the form that causes the most day-to-day headaches for NRIs. Let me explain everything about it.
What Is the FATCA Self-Declaration?
It’s a one-page form where you tell your Indian financial institution about your tax residency status.
Banks, mutual funds, insurance companies, NPS, and brokerages – all of them need this from you.
The form typically asks:
- Full name
- Address (Indian and overseas)
- Country of birth
- Country of citizenship
- Country of tax residence
- Tax Identification Number (SSN for US, or equivalent for other countries)
- Whether you’re a “US Person” (Yes/No)
Most institutions combine FATCA and CRS declarations into a single form.
When Do You Need to Submit It?
- When opening a new account – bank account, demat account, mutual fund folio, insurance policy, NPS
- When your status changes – moved from India to US, or returned from US to India
- When the institution asks for it – periodic re-verification campaigns
- When making new investments – some AMCs check FATCA compliance before processing transactions
In October 2025, there was a significant disruption when BSE rolled out new FATCA validation rules that accidentally blocked SIP renewals and new investments for thousands of NRIs. BSE later rolled back the change and clarified that previously submitted declarations remained valid.
This kind of thing happens. Keep your FATCA declaration up to date to avoid these disruptions.
How to Submit the FATCA Self-Declaration
Most institutions now allow online submission.
For Mutual Funds:
- Log into your AMC’s website or app (or use MFU – Mutual Fund Utility)
- Navigate to “FATCA/CRS” or “KYC Compliance” section
- Fill in the declaration
- Submit with e-signature or OTP verification
- Download confirmation for your records
You can also submit through CAMS or KFintech portals if your mutual funds are registered with them.
For Bank Accounts:
- Log into net banking
- Look for “FATCA Declaration” or “Tax Residency Self-Certification”
- Fill in the form
- Submit online
Some banks still require physical forms – visit the branch or download from their website, fill, sign, and submit.
For NPS:
- Log into the CRA (Protean) portal
- Navigate to “FATCA Self-Certification”
- Complete the 8-step process
- Submit
For Demat/Trading Accounts:
Submit through your broker’s portal or directly to the depository (CDSL/NSDL).
What Happens If You Don’t Submit?
Non-compliance leads to real consequences:
- Bank accounts: Can be frozen or restricted
- Mutual funds: SIPs get rejected, new purchases blocked, folio becomes “non-transactable”
- NPS: Contributions may be rejected, withdrawals delayed
- Insurance: Premium processing delays, claim settlement issues
- Demat account: Trading restrictions
Your accounts won’t be closed, but they’ll be effectively unusable until you submit the declaration.
SEBI has mandated all mutual fund investments to be FATCA-compliant. Indian banks can be penalized Rs 5,000 for each incorrect FATCA report – and they can pass that cost to the NRI customer.
FATCA Declaration Tips for NRIs
Tip 1: Submit FATCA declarations proactively for all your Indian financial accounts. Don’t wait for the institution to ask.
Tip 2: If you have accounts across multiple banks, AMCs, and brokers – you need to submit FATCA to each one separately. There’s no central FATCA registry.
Tip 3: Keep copies of all submitted declarations. When there’s a system error (like the October 2025 BSE incident), having proof of prior submission saves you from re-doing everything.
Tip 4: Update your declaration within 30 days if your tax residency changes – for example, when you move from the US back to India.
Part 2: Form 8938 – FATCA Reporting to the IRS
This is the serious side of FATCA. If you’re a US person (US citizen, Green Card holder, or US tax resident) with Indian financial assets, this section is critical.
What Is Form 8938?
Form 8938, “Statement of Specified Foreign Financial Assets,” is an IRS form where you report your foreign financial assets.
It was created as part of FATCA and has been required since the 2011 tax year.
You file it as an attachment to your annual US tax return (Form 1040). It’s not filed separately.
Who Must File Form 8938?
You must file if:
- You are a “specified individual” – US citizen, US resident alien (Green Card holder or meets substantial presence test), or certain non-resident aliens who elect to file jointly with a US spouse
- You have “specified foreign financial assets” (more on this below)
- The total value of those assets exceeds the filing threshold
Key point: If you don’t need to file a US tax return for the year, you don’t need to file Form 8938 – even if your assets exceed the threshold.
What Are the Filing Thresholds?
The thresholds depend on two factors: your filing status and whether you live in the US or abroad.
If You Live in the US:
| Filing Status | Year-End Threshold | Anytime-During-Year Threshold |
|---|---|---|
| Single / Married Filing Separately | $50,000 | $75,000 |
| Married Filing Jointly | $100,000 | $150,000 |
If You Live Abroad:
| Filing Status | Year-End Threshold | Anytime-During-Year Threshold |
|---|---|---|
| Single / Married Filing Separately | $200,000 | $300,000 |
| Married Filing Jointly | $400,000 | $600,000 |
You must file if your total foreign assets exceed EITHER the year-end threshold OR the anytime-during-year threshold.
Example for an H1B NRI living in the US: If you’re single and your Indian bank accounts, FDs, mutual funds, and other financial assets total more than $50,000 (roughly Rs 42 lakh) on December 31 – you must file Form 8938.
For many NRIs with FDs, mutual fund investments, and NRE/NRO accounts, crossing the $50,000 threshold is quite common.
What Assets Must Be Reported on Form 8938?
Reportable assets include:
- Foreign bank accounts (NRE, NRO, savings, current)
- Foreign fixed deposits
- Foreign mutual fund holdings
- Foreign stocks and securities not held through a US broker
- Foreign pension/retirement accounts (EPF, NPS)
- Foreign insurance policies with cash value (like ULIPs, endowment plans)
- Interests in foreign partnerships or corporations
- Foreign bonds and debentures
Not reportable:
- Directly owned foreign real estate (your flat in Mumbai, your land in Chennai – NOT reportable on Form 8938 unless held through a foreign entity)
- Assets held in US-based financial institutions
- Social security benefits from a foreign government
Important for NRIs: Indian mutual funds are classified as PFICs (Passive Foreign Investment Companies) under US tax law. This creates additional reporting requirements beyond FATCA. Consult a cross-border tax professional for PFIC compliance.
If you hold Indian mutual funds as a US tax resident, the tax implications are complex and often unfavorable. Many US-based NRIs avoid Indian mutual funds entirely for this reason.
FATCA (Form 8938) vs FBAR – What’s the Difference?
This confuses almost everyone. Both require reporting foreign accounts, but they’re different filings.
| Feature | FBAR (FinCEN Form 114) | Form 8938 (FATCA) |
|---|---|---|
| Filed with | FinCEN (Treasury Dept) | IRS (with tax return) |
| Threshold | $10,000 aggregate in foreign accounts | $50,000-$600,000 (varies) |
| What’s reported | Foreign financial accounts | Broader – accounts + assets |
| Deadline | April 15 (auto-extension to Oct 15) | With tax return (April 15, extensions apply) |
| Penalty (non-willful) | Up to $16,536 per violation (2026) | $10,000 per failure + additional penalties |
| Penalty (willful) | Greater of $100,000 or 50% of account balance | Up to $50,000 continued failure + 40% understatement |
| How to file | Electronically via BSA E-Filing | Attached to Form 1040 |
Critical point: Filing one does NOT exempt you from filing the other. Many NRIs need to file BOTH.
If your Indian accounts total more than $10,000 at any point during the year, you need the FBAR. If your assets also cross the Form 8938 threshold, you need both.
We have a separate detailed guide on FBAR requirements if you need more information.
How to File Form 8938
Step 1: Gather information about all your Indian financial assets:
- Account numbers
- Name and address of each financial institution
- Maximum value of each account/asset during the tax year
- Whether the account produced income
Step 2: Convert all values to US dollars using the Treasury’s year-end exchange rate.
Step 3: Complete Form 8938:
- Part I: Foreign deposit accounts (bank accounts, FDs)
- Part II: Foreign custodial accounts
- Part III: Other foreign assets
- Part IV: Summary (total number of accounts, whether other forms were filed)
Step 4: Attach Form 8938 to your Form 1040 and file by the deadline.
Deadline: April 15 (October 15 with extension). If you live abroad, the automatic first deadline is June 15.
Penalties for Not Filing Form 8938
The penalties are steep. I’m not saying this to scare you, but to stress why compliance matters.
- Initial penalty: $10,000 for failure to file
- Continued non-compliance: Additional $10,000 for every 30 days of non-compliance after IRS notification (up to $50,000 maximum)
- Understatement penalty: 40% of unpaid taxes related to undisclosed foreign assets
- Extended statute of limitations: The IRS can go back further if foreign assets weren’t properly reported
Total potential penalty: $60,000+ plus 40% of any unreported income.
And here’s what makes this worse: the IRS now receives information directly from Indian banks under the India-US IGA. If your bank reports your accounts but you don’t file Form 8938, the mismatch gets flagged.
What If You Haven’t Filed Form 8938 in Previous Years?
Don’t panic. But don’t just start filing going forward without addressing the past.
The IRS has procedures for catching up:
Streamlined Filing Compliance Procedures: If your failure to file was non-willful (meaning you didn’t know about the requirement or made an honest mistake), you can use the IRS Streamlined Procedures to catch up. For US residents, there’s a 5% penalty. For those living abroad, the penalty can be zero.
Delinquent International Information Return Submission Procedures: For certain situations where you can demonstrate reasonable cause.
Do NOT just start filing forward. That could be considered a “quiet disclosure,” which the IRS views unfavorably.
Consult a US tax professional who specializes in international tax before making any moves. This is not something to handle on your own.
For more guidance on US NRI tax filing, check our detailed guide.
How FATCA Affects Specific Indian Investments
Let me walk through how FATCA impacts the most common Indian financial products NRIs hold.
Bank Accounts (NRE, NRO, Savings)
FATCA self-declaration: Required for all accounts.
Form 8938: Reportable if above threshold. Report the maximum balance during the year.
FBAR: Also reportable if aggregate of all foreign accounts exceeds $10,000.
Your NRE account interest is tax-free in India but fully taxable in the US. Your NRO interest is taxable in both countries (claim DTAA benefits to avoid double taxation).
Fixed Deposits
FATCA self-declaration: Required.
Form 8938: Reportable. Include the maximum value.
Tax implication: FD interest is taxable in the US in the year it accrues (not when the FD matures). Many NRIs miss this.
Our guide on NRI fixed deposits covers the options available.
Mutual Funds
FATCA self-declaration: Required. This is where most NRIs face disruptions (like the October 2025 incident).
Form 8938: Reportable.
PFIC complications: Indian mutual funds are classified as PFICs under US tax law. This means:
- You may need to file Form 8621 for each mutual fund (the IRS estimates 22 hours per form)
- Default taxation under Section 1291 is punitive
- Capital gains are taxed at the highest ordinary income rate plus interest charges
This is why many US-based NRIs avoid Indian mutual funds entirely and invest in US-based index funds instead.
If you already hold Indian mutual funds, consult a cross-border CPA immediately.
National Pension System (NPS)
FATCA self-declaration: Required through the CRA portal.
Form 8938: Reportable.
Tax treatment: The IRS doesn’t recognize NPS as a qualified retirement plan. Contributions may not be tax-deductible on your US return.
Insurance Policies (ULIPs, Endowment, LIC)
FATCA self-declaration: Required.
Form 8938: Reportable if the policy has cash/surrender value.
Tax treatment: ULIPs may be classified as PFICs, creating the same complications as mutual funds.
If you have LIC policies from before you moved to the US, check with a tax professional about their FATCA and PFIC status.
Stocks (Directly Held Indian Equities)
FATCA self-declaration: Required for demat account.
Form 8938: Reportable.
PFIC advantage: Individual stocks are NOT PFICs. This is why many US-based NRIs prefer holding individual Indian stocks over mutual funds – the tax treatment is much simpler.
Dividends are taxable, and capital gains follow US tax rules.
For more on direct equity investing, see our guide on stock trading in India.
Real Estate
FATCA self-declaration: Not applicable (real estate isn’t a financial account).
Form 8938: Directly owned property is NOT reportable on Form 8938. But if the property is held through a company or trust, the entity itself may be reportable.
Still taxable: Rental income from Indian property must be reported on your US tax return regardless of FATCA. Read our guide on rental income taxation for details.
FATCA and the India-US Information Exchange
Here’s something that makes many NRIs uncomfortable.
Under the India-US IGA, Indian financial institutions report account information of US persons to the CBDT (Central Board of Direct Taxes). CBDT then shares this information with the IRS.
What gets reported:
- Account holder’s name, address, and US TIN (SSN/ITIN)
- Account number
- Name and identifying number of the Indian financial institution
- Account balance or value at the end of the year
- Total gross amount of interest, dividends, and other income paid to the account during the year
This means the IRS can cross-check what your Indian bank reports with what you file on your tax return.
If there’s a mismatch – you have accounts that your bank reported but you didn’t declare on Form 8938 or FBAR – that’s a red flag.
The system isn’t perfect, and not every mismatch triggers an audit. But the data exchange is real and getting more sophisticated every year.
FATCA When Returning to India
If you’re planning to return to India, FATCA implications change based on your citizenship status.
Indian Citizens (H1B/L1 Returning)
Once you return and become a tax resident of India, your FATCA obligations depend on your US tax filing requirements:
- If you’re no longer required to file a US tax return (because you’re not a US citizen or Green Card holder and don’t meet the substantial presence test), Form 8938 is no longer required.
- The year you return, you may need to file Form 8938 for the portion of the year you were in the US.
- You’ll update your FATCA self-declaration with Indian banks to show India as your country of tax residence.
Don’t forget to close or convert your NRE/NRO accounts to resident accounts after your status changes.
Green Card Holders Returning
Even after returning to India, Green Card holders are still considered US persons for tax purposes until they formally abandon their Green Card (by filing Form I-407 and submitting the final US tax return).
FATCA obligations continue until you surrender your Green Card.
US Citizens Returning
US citizens are subject to FATCA worldwide, for life, regardless of where they live. The only way to end this obligation is to renounce US citizenship.
The thresholds are higher for those living abroad ($200,000/$400,000), but the reporting requirement remains.
This affects families with US-born children who return to India. The child is a US citizen and technically subject to FATCA once they have reportable assets.
Common FATCA Mistakes NRIs Make
From our community experience, these are the most frequent errors.
1. Confusing FATCA self-declaration with Form 8938.
They’re completely different. The self-declaration goes to your Indian bank. Form 8938 goes to the IRS. You may need to do both.
2. Not submitting FATCA declarations to ALL institutions.
You need to submit separately to every bank, AMC, insurance company, broker, and NPS. There’s no centralized system. Missing even one can cause account restrictions.
3. Ignoring FATCA because “I don’t earn much in India.”
FATCA reporting is based on asset VALUE, not income. Even if your NRE FD earns zero taxable income in India, if its value crosses the threshold, it must be reported on Form 8938.
4. Not filing FBAR because they filed Form 8938 (or vice versa).
They’re separate requirements filed with different agencies. You likely need both.
5. Thinking FATCA only applies to US citizens.
FATCA applies to all “US persons” – which includes H1B visa holders who are US tax residents. If you’ve been in the US long enough to meet the substantial presence test, FATCA applies to you.
6. Not updating FATCA when status changes.
When you move from India to the US, or return from the US to India, your FATCA declaration must be updated within 30 days with all your Indian financial institutions.
7. Trying to avoid FATCA by not declaring US status.
This is extremely risky. Indian banks use “indicia” (indicators) to identify potential US persons – like a US address, US phone number, US place of birth, or standing instructions to transfer funds to a US account. If they find US indicia and you haven’t declared, your account can be reported as “recalcitrant.”
FATCA Compliance Checklist
Here’s a practical checklist based on your situation.
For US-Based NRIs (H1B, L1, Green Card)
- [ ] Submit FATCA self-declaration to every Indian bank where you have an account
- [ ] Submit FATCA self-declaration to every AMC where you hold mutual funds
- [ ] Submit FATCA self-declaration to your NPS CRA
- [ ] Submit FATCA self-declaration to your demat/trading account provider
- [ ] Submit FATCA self-declaration to your insurance companies
- [ ] Calculate total value of all Indian financial assets
- [ ] File Form 8938 with your US tax return if above threshold
- [ ] File FBAR if aggregate foreign accounts exceed $10,000
- [ ] Keep copies of all declarations and filings
- [ ] Update declarations if your address or status changes
- [ ] Consult a cross-border tax professional for PFIC issues
For NRIs Outside the US (UAE, UK, Canada)
- [ ] Submit FATCA/CRS self-declaration to every Indian financial institution
- [ ] Declare your country of tax residence accurately
- [ ] Provide your Tax Identification Number from your country of residence
- [ ] Update declarations if you move to a different country
- [ ] No Form 8938 filing needed (unless you have US tax obligations)
For Returning NRIs
- [ ] Update FATCA declarations with all Indian institutions to reflect “India” as tax residence
- [ ] File final Form 8938 for the year of return (if applicable)
- [ ] File final FBAR for the year of return (if applicable)
- [ ] Convert NRE/NRO accounts to resident accounts
- [ ] If Green Card holder – file until formal surrender
- [ ] If US citizen – continue filing (worldwide obligation)
Frequently Asked Questions
What is FATCA in simple terms?
FATCA is a US law that requires foreign banks to report information about accounts held by US taxpayers to the IRS. For NRIs, it means two things: (1) filling out a self-declaration form for Indian banks, and (2) possibly filing Form 8938 with the IRS if you’re a US tax resident.
Is FATCA only for US persons?
The IRS reporting part (Form 8938) is only for US persons. But the self-declaration part affects everyone with Indian financial accounts because India also participates in CRS (Common Reporting Standard), which covers 100+ countries.
What is the penalty for not submitting FATCA self-declaration in India?
Indian law doesn’t directly fine you. But your bank can freeze your account, your AMC can block your investments, and your NPS account can be restricted. Effectively, you lose access to your money until you comply.
What is the penalty for not filing Form 8938 in the US?
$10,000 initial penalty, plus up to $10,000 per 30 days of continued non-compliance (capped at $50,000), plus 40% penalty on any taxes related to undisclosed assets. Total exposure can be $60,000+.
Do I need to file BOTH FBAR and Form 8938?
Possibly yes. FBAR has a lower threshold ($10,000) and covers foreign accounts. Form 8938 has higher thresholds but covers broader asset types. Many US-based NRIs with Indian accounts need to file both. Filing one does not satisfy the other.
Does FATCA apply to NRIs on H1B visa?
Yes, if you meet the substantial presence test (generally present in the US for 183 days or more in a year, using the weighted formula). Most H1B holders are US tax residents and therefore subject to FATCA.
My Indian mutual fund SIP got rejected due to FATCA. What do I do?
Submit (or re-submit) your FATCA self-declaration to the AMC through their website, CAMS portal, or KFintech portal. Once verified, your SIP should resume. Keep the confirmation receipt.
Does FATCA apply to Indian real estate?
Not directly. Directly owned Indian property is not reported on Form 8938. But rental income from that property must still be reported on your US tax return. And if the property is held through a company or trust, the entity may be reportable.
I have a PPF account in India. Is it reportable under FATCA?
PPF accounts for NRIs have restrictions (NRIs can’t open new PPF accounts, existing ones can continue till maturity but without extensions). If you still have one and are a US tax resident, the balance is reportable on Form 8938 and FBAR if above respective thresholds.
What happens when I return to India – does FATCA stop?
It depends on your citizenship. Indian citizens returning from the US generally stop being US tax residents, so Form 8938 is no longer required (after the final filing for the transition year). Green Card holders must file until formal surrender. US citizens must file for life.
Is the FATCA declaration a one-time thing or annual?
The self-declaration to Indian banks is generally one-time, but must be updated if your status changes. Form 8938 is filed annually with your US tax return.
Can Indian banks see my US bank accounts through FATCA?
No. FATCA is one-directional from India to the US. Indian banks report US person accounts to the IRS. The IRS does not share US account information with Indian authorities under FATCA. (Though India has its own disclosure requirements for resident Indians with foreign assets.)
Disclaimer: FATCA compliance involves complex cross-border tax rules. This guide provides general information and should not be taken as tax or legal advice. Always consult a qualified US CPA or cross-border tax professional for guidance specific to your situation. Tax rules and thresholds can change – verify current requirements with the IRS and your financial institutions.
If you’re navigating FATCA, FBAR, or any part of the NRI financial puzzle, join our WhatsApp community at https://backtoindia.com/groups. 20,000+ NRIs helping each other with real, lived experience. It’s free and volunteer-run.
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