Tax question- Indian immigrant filing taxes in US.
If non-US (Indian) bank account is more than $10k, then one has to file additional forms?

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You will need to do a FBAR filing if you have any bank account that exceeded a balance of $10k during the tax year.

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Is it possible to file return for 2017 , 2018, 2019( all r in refund) now without paying any penalty?

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