BOI Shield current-rule and fulfillment boundary audited
Directed by Nicholas Lee · Produced with ChatGPT + Lovable read-only source inspection + FinCEN official guidance
FinCEN’s August 2026 final rule now permanently exempts U.S. companies from BOI reporting, while BOI Shield still targets U.S. LLCs/corporations with mandatory-filing and penalty claims. Source inspection also found simulated document verification/compliance scanning and no verified FinCEN fulfillment path.
A read-only release audit compared the published BOI Shield source with current FinCEN guidance. The current app still tells U.S.-formed LLCs/corporations they must file and uses an active-deadline/$500-day urgency pitch, but FinCEN’s final rule effective August 14, 2026 permanently exempted U.S. companies. The intake currently marks local file metadata as verified on a timer and advances a timed compliance scan while presenting 100% readiness. Checkout-session creation exists, but reviewed source contains no FinCEN submission/fulfillment integration, and the return page treats the presence of a session_id as payment received without retrieving payment status. No checkout, customer/payment record, filing, price/config change, or legal submission occurred. Future work should first make domestic-U.S. purchase paths fail-safe and align the product to the current rule before any monetization or filing promise.