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YebboTax Explains S.1582 (GENIUS Act) — What It Means for Regular Americans

YebboTax Explains S.1582 (GENIUS Act)

What it means for regular Americans: benefits, risks, and safe-use tips.

Light background • Dark text Consumer-first summary Updated for 2026 readers

Call: 619-255-5530 Email: info@yebbo.com

What S.1582 Does (Plain English)

S.1582 is a federal law (Public Law 119–27, signed July 18, 2025) that creates rules for “payment stablecoins” — digital assets designed to be redeemed at a fixed value, typically $1.

Potential benefits for everyday people:

• Faster payments (including weekends/after hours)
• Lower transfer/remittance fees (in some cases)
• Clearer rules for reserves, disclosures, and supervision

Most important warning:

Stablecoins are generally not FDIC-insured. Treat them like “digital cash in transit,” not a savings account.

What Could Go Wrong

• Scams & phishing: fake wallet apps, fake support agents, stolen recovery phrases.
• User error: sending funds to the wrong address can be irreversible.
• Redemption delays: even fully-backed systems can face delays during investigations or market stress.
• Confusing “rewards/yield” offers: some products may mimic interest — understand the risks before using them.

Safe-Use Rules (YebboTax Checklist)

• Keep emergency funds in insured bank accounts.
• Use stablecoins mainly for payments/transfers — not long-term storage.
• Use regulated issuers with clear reserve disclosures.
• Enable 2FA; never share seed phrases; test transfers with a small amount first.
• Keep records: dates, transaction IDs, screenshots.

Call YebboTax for a 5-minute guidance check

We explain consumer risks in plain language and help you build safer payment habits.

Stablecoins vs Bank Accounts

Topic	Bank Account	Stablecoin
Insurance	Often FDIC (limits apply)	Usually not FDIC-insured
Disputes	Established dispute channels	Often limited; transfers can be irreversible
Speed	ACH can be slow	Can be fast & 24/7 (depends on provider)
If provider fails	Insurance + bank resolution tools	Law aims to prioritize holders to reserves, but timing can vary

Who Benefits Most?

• People paying high transfer/remittance fees today
• Small businesses seeking faster settlement
• Large compliant financial & fintech firms building new payment rails

Quick Scam Warnings

• No real company needs your seed phrase.
• Be skeptical of “guaranteed yield” claims.
• Only install wallet apps from trusted sources.

Disclaimer: This page is general information, not legal, tax, or financial advice. Rules and guidance can evolve as regulators implement S.1582. For personal guidance, consult a qualified professional.

© YebboTax • Powered by Yebbo Communication Network • Since 1999

Trump Accounts (530A) — Parent Guide & FAQ

YebboTax — Trump Accounts (530A) Parent Guide

Light background • Dark text • Fast answers • Built for parents

Call: 619-255-5530 Email: info@yebbo.com Call Now Email Questions

Updated guide: Trump Accounts (IRC 530A) — what parents need to know

This page summarizes official information from trumpaccounts.gov and IRS/Treasury guidance, written in parent-friendly language.

Basics Timeline Eligibility Money Rules Withdrawals & Taxes FAQ Sources

One page that answers the questions parents actually ask

A Trump Account is a new type of traditional IRA created for children under 18. It includes special rules during the “growth period” (before January 1 of the year the child turns 18).

$1,000 pilot deposit may apply (births 2025–2028)

Launch: July 5, 2026

Up to $5,000/yr extra contributions (limits apply)

Important: Some operational details (which banks/brokers participate, final enrollment steps, portal workflow) may change as regulations finalize. This page focuses on official guidance.

Search this guide

Try: “SSN”, “Form 4547”, “born 2025”, “employer”, “withdraw”, “age 18”, “index fund”.

Get Help From YebboTax Official Portal

Need help enrolling or understanding the rules?

We can explain the steps, help you prepare, and answer parent questions.

Call YebboTax

If you’re a parent and want help understanding eligibility, the $1,000 pilot deposit, or the election process (Form 4547), contact us.

📞 Call 619-255-5530 ✉️ Email info@yebbo.com

YebboTax — A division of Yebbo Communication Network • Serving clients since 1999

What to have ready when you call:

• Child’s full name + date of birth
• Child’s SSN status (issued?)
• Whether child was born between Jan 1, 2025 and Dec 31, 2028
• Whether you use a tax preparer or file yourself

Basics: what a Trump Account is

Simple explanation first — then details.

Who owns it?

The child owns the account. A parent/guardian acts as custodian until the child turns 18.

What makes it different?

Special rules apply during the “growth period,” including investment and withdrawal restrictions.

Is it tax-advantaged?

Yes — built on traditional IRA mechanics. Taxes depend on timing and withdrawal rules.

Official definition (high-level): IRS guidance describes a Trump Account as a traditional IRA established for an eligible child and designated as a Trump Account at establishment, with special rules during the growth period.

Timeline & key dates

What happens when — and what parents should do.

Date / Age	What it means	Parent action
Before Jul 4, 2026	Extra contributions can’t be made before this date (per IRS guidance).	Get ready to enroll; keep child SSN available.
Jul 5, 2026	Public launch target on trumpaccounts.gov (“Launching July 5, 2026”).	Watch the portal for the enrollment workflow and participating institutions.
Tax filing time	Portal indicates you “enroll your child by making an election when you file your taxes.” IRS guidance references Form 4547.	Tell your preparer: “Add Trump Account election (Form 4547).”
Before Jan 1 of year child turns 18	This is the “growth period.” Distributions are generally prohibited (narrow exceptions).	Plan for long-term savings, not short-term use.
Jan 1 of year child turns 18+	Account generally follows traditional IRA rules (possible tax + 10% additional tax if early distribution and no exception).	Consult a tax pro before withdrawals.

Eligibility: who qualifies?

Two separate questions: eligible to open, and eligible for the $1,000 pilot deposit.

1) Eligibility to establish a Trump Account

Generally, IRS guidance indicates the child must:

• Be under 18 for the year the election is made.
• Have a valid SSN issued before the election date.
• Have a Trump Account election made (generally by a parent/guardian).

2) Eligibility for the $1,000 pilot deposit

Portal highlights the pilot deposit for children who:

• Are born between Jan 1, 2025 and Dec 31, 2028
• Are U.S. citizens
• Have a valid SSN and a proper election/account setup

Parent note: the pilot deposit is tied to eligibility and the proper election/setup process.

Money rules: contributions & investments

How much can be added, who can add it, and where it can be invested.

Annual limit (most contributions)

During the growth period, employer contributions + other-source contributions are capped at an aggregate $5,000 per year (indexed after 2027).

Employer contributions (special cap)

Employers can contribute up to $2,500/year for an employee or dependent (counts toward the $5,000 annual cap).

Investment restrictions

Growth-period investments are limited to eligible index-tracking mutual funds or ETFs focused primarily on U.S. companies, with constraints like no leverage and very low fees.

Contribution types (plain list)

(1) $1,000 pilot program contribution (Treasury/IRS) (2) Qualified general contributions (gov’t entities / certain nonprofits for a qualified class) (3) Section 128 employer contributions (up to $2,500/year; counts toward $5,000 cap) (4) Qualified rollover contributions (trustee-to-trustee transfer of entire balance) (5) Other-source contributions (parents/child/any person) — included in $5,000 cap

Parent takeaway: contributing is optional, but the earlier the money is invested, the more time it has to grow.

Withdrawals & taxes

Most important: “Can I take the money out?” and “What tax happens?”

Before age 18 (growth period)

During the growth period, distributions are generally not allowed, with limited exceptions. Treat this as long-term savings.

At/after age 18

Starting January 1 of the year the child turns 18, the account generally follows traditional IRA rules. Distributions may be taxed as ordinary income, and the 10% additional tax may apply if it’s an early withdrawal and no exception applies.

YebboTax tip: Before your child withdraws money, confirm the exception (if any) and the reporting rules. We can walk you through the “what happens if…” scenarios.

Parent FAQ (searchable)

Use the search bar above to find keywords inside these answers.

Is the $1,000 pilot deposit automatic?

The official portal highlights the $1,000 for eligible births (2025–2028), but it is tied to proper enrollment and election/setup steps. Watch trumpaccounts.gov for the exact workflow.

My child was born outside 2025–2028. Can we still open a Trump Account?

The pilot deposit is limited to eligible births, but IRS guidance describes Trump Accounts as a new IRA type for children under 18 (with valid SSN) when the election is made. That suggests many children could still open an account even without the pilot deposit, subject to final rules.

Do parents have to contribute any money?

No. The official portal states no contributions are necessary. Contributions are optional (within limits) if you want the account to grow more.

How much can we contribute each year?

During the growth period, employer contributions plus other-source contributions are capped at an aggregate $5,000/year (indexed after 2027). Employers are capped at $2,500/year (counts toward the $5,000).

What can it be invested in?

During the growth period, investments are limited to eligible index-tracking mutual funds/ETFs focused primarily on U.S. companies, with constraints like no leverage and very low fees.

Can we withdraw money before 18 for school or emergencies?

Generally no — growth-period distributions are generally prohibited, with narrow exceptions. Plan as if funds are locked until the year the child turns 18.

Is there a tax deduction for contributions?

IRS guidance indicates no individual deduction is allowed for contributions to a Trump Account during the growth period.

How do we enroll?

trumpaccounts.gov indicates enrollment happens by making an election when you file taxes. IRS guidance references Form 4547 (Trump Account Election(s)) as the election form (draft then final).

Official sources

Primary references used to build this guide.

• trumpaccounts.gov
• IRS — Trump Accounts overview page
• IRS News Release (Dec 2, 2025)
• IRS Notice 2025-68 (PDF)

Disclaimer: This is educational content, not legal/tax advice.

YebboTax — A division of Yebbo Communication Network • Serving clients since 1999

Last updated:

Questions about Trump Accounts (530A)? Call YebboTax: 619-255-5530 • Email: info@yebbo.com

Call Now Email Get Help

YebboTax — Claiming a Child as a Dependent (Rules & Guidelines)

Claiming a Child as a Dependent

This page explains the key U.S. federal tax rules for claiming a child as a dependent. Most families qualify under the “Qualifying Child” rules used by the :contentReference[oaicite:0]{index=0}.

Need help fast? We’ll review your situation (custody, residency, support, credits) and help you claim correctly.

📞 CALL 619-255-5530 ✅ Get Help Claiming Your Child Common help: divorced parents • shared custody • credits

Choose Language

Tap a language button to view the full translated guide.

Call to Action

📞 619-255-5530

Call YebboTax to confirm dependent eligibility and maximize credits (Child Tax Credit, EITC, Head of Household, etc.).

What to have ready (recommended)

• Child’s SSN (or ITIN status), date of birth
• Where the child lived during the year (months/addresses)
• Who paid support (rent, food, childcare, school, medical)
• If divorced/separated: custody details + Form 8332 if applicable

Tip: If two people try to claim the same child, your return may be delayed or rejected—call first to avoid problems.

✅ Qualifying Child Rules (All Must Be Met)

1) Relationship Test

• Son, daughter, stepchild, foster child
• Brother, sister, half-brother/sister
• Grandchild, niece, or nephew

2) Age Test

• Under 19 at the end of the year, OR
• Under 24 if a full-time student, OR
• Any age if permanently & totally disabled

3) Residency Test

The child must live with you for more than half the year.

Temporary absences (school, medical care, military service) usually count as time lived with you.

4) Support Test

The child must not provide more than 50% of their own support.

Support includes housing, food, clothing, education, and medical care.

5) Joint Return Test

The child cannot file a joint return with a spouse.

Exception: A joint return filed only to claim a refund (with no tax owed).

6) Citizenship / Residency Status

• U.S. citizen or U.S. national, or
• Resident of the U.S., Canada, or Mexico

🚫 Tie-Breaker Rules (If More Than One Person Can Claim the Child)

• Parent wins over non-parent
• Parent with longer residency wins
• Parent with higher AGI wins
• If no parent claims: the person with the highest AGI wins

💰 Tax Benefits You May Qualify For

• Child Tax Credit / Additional Child Tax Credit
• Earned Income Tax Credit (EITC)
• Head of Household filing status (if eligible)
• Child & Dependent Care Credit
• Education credits (when applicable)

⚠️ Common Mistakes to Avoid

• Claiming a child who lived with you less than 6 months (unless an exception applies)
• Both parents claiming the same child
• Missing Form 8332 for non-custodial claims
• Claiming a child who paid most of their own support
• Trying to claim credits without a valid SSN (rules vary by credit)

📄 Special Situations

Divorced or Separated Parents

• Usually, the custodial parent claims the child.
• Non-custodial parent typically needs a signed release (Form 8332) to claim.

Foster Children

• Must live with you more than half the year
• Must be placed by an authorized agency (in most cases)

ITIN vs SSN

• Many child-related credits require an SSN; an ITIN may limit eligibility for certain credits.

🧾 What You Should Keep (Documentation)

• Birth certificate or court/guardianship papers
• School/medical records showing address
• Proof the child lived with you (lease, letters, school)
• Childcare receipts and records
• Divorce decree + Form 8332 (if used)

✅ Reglas para “Hijo Calificado” (Se deben cumplir TODAS)

1) Prueba de parentesco

• Hijo/a, hijastro/a, hijo/a adoptivo/a o de crianza (foster)
• Hermano/a, medio hermano/a
• Nieto/a, sobrina/o

2) Prueba de edad

• Menor de 19 años al final del año, O
• Menor de 24 si es estudiante de tiempo completo, O
• Cualquier edad si tiene una discapacidad total y permanente

3) Prueba de residencia

El menor debe vivir con usted más de la mitad del año.

Ausencias temporales (escuela, atención médica, servicio militar) normalmente cuentan como tiempo viviendo con usted.

4) Prueba de manutención (support)

El menor no debe aportar más del 50% de su propio sustento.

Incluye vivienda, comida, ropa, educación y atención médica.

5) Prueba de declaración conjunta

El menor no puede presentar una declaración conjunta con su cónyuge.

Excepción: solo para reclamar un reembolso (sin impuestos adeudados).

6) Ciudadanía / estatus de residencia

• Ciudadano/a o nacional de EE. UU., o
• Residente de EE. UU., Canadá o México

🚫 Reglas de desempate (si más de una persona puede reclamar)

• El padre/madre tiene prioridad sobre una persona que no es padre/madre
• Gana el padre/madre con más tiempo de residencia con el menor
• Si sigue el empate: gana el padre/madre con mayor AGI
• Si ningún padre/madre reclama: gana quien tenga el AGI más alto

💰 Beneficios tributarios posibles

• Crédito Tributario por Hijos / Crédito Adicional por Hijos
• Crédito por Ingreso del Trabajo (EITC)
• Estado civil “Cabeza de Familia” (si califica)
• Crédito por Cuidado de Menores y Dependientes
• Créditos de educación (cuando aplique)

⚠️ Errores comunes

• Reclamar a un menor que vivió con usted menos de 6 meses (salvo excepciones)
• Dos personas reclaman al mismo menor
• No tener el Formulario 8332 cuando corresponde
• El menor pagó la mayor parte de su propio sustento
• Intentar reclamar ciertos créditos sin un SSN válido (las reglas varían por crédito)

📄 Situaciones especiales

Padres divorciados o separados

• Normalmente reclama el padre/madre con custodia.
• El padre/madre sin custodia normalmente necesita un permiso firmado (Formulario 8332) para reclamar.

Niños de crianza (foster)

• Deben vivir con usted más de la mitad del año
• Generalmente deben ser colocados por una agencia autorizada

ITIN vs SSN

• Muchos créditos requieren SSN; con ITIN puede haber limitaciones para ciertos créditos.

🧾 Documentos recomendados

• Acta de nacimiento o documentos de custodia/tutela
• Registros escolares/médicos con dirección
• Prueba de residencia del menor con usted
• Recibos de cuidado infantil
• Decreto de divorcio + Formulario 8332 (si aplica)

✅ قواعد اعتبار الطفل “طفلاً مؤهلاً” (يجب تحققها جميعاً)

1) اختبار القرابة

• ابن/ابنة، ابن/ابنة زوج/زوجة، طفل بالتبني أو رعاية (Foster)
• أخ/أخت، أخ/أخت غير شقيق
• حفيد/حفيدة، ابن أخ/أخت أو ابنة أخ/أخت

2) اختبار العمر

• أقل من 19 سنة في نهاية السنة، أو
• أقل من 24 سنة إذا كان طالباً بدوام كامل، أو
• أي عمر إذا كان لديه إعاقة دائمة وكاملة

3) اختبار الإقامة

يجب أن يعيش الطفل معك أكثر من نصف السنة.

الغيابات المؤقتة (الدراسة، العلاج، الخدمة العسكرية) غالباً تُحسب كإقامة معك.

4) اختبار الدعم المالي

يجب ألا يوفر الطفل أكثر من 50% من نفقاته بنفسه.

يشمل الدعم: السكن، الطعام، الملابس، التعليم، والرعاية الطبية.

5) اختبار الإقرار الضريبي المشترك

لا يمكن للطفل تقديم إقرار مشترك مع زوج/زوجة.

استثناء: إذا كان الهدف فقط استرداد مبلغ (مع عدم وجود ضريبة مستحقة).

6) الجنسية / الإقامة

• مواطن/مواطنة أمريكي/ـة أو “وطني” أمريكي، أو
• مقيم/ـة في الولايات المتحدة أو كندا أو المكسيك

🚫 قواعد فضّ التعارض (إذا كان أكثر من شخص يمكنه المطالبة بالطفل)

• الأب/الأم له أولوية على غير الوالدين
• يفوز الوالد الذي عاش الطفل معه مدة أطول
• إذا استمر التعارض: يفوز الوالد ذو الدخل المعدل الإجمالي (AGI) الأعلى
• إذا لم يطالب أي والد: يفوز صاحب AGI الأعلى

💰 مزايا ضريبية محتملة

• ائتمان ضريبة الطفل / الائتمان الإضافي (إن وُجد)
• ائتمان الدخل المكتسب (EITC)
• صفة “ربّ الأسرة” (إن كنت مؤهلاً)
• ائتمان رعاية الطفل والمعالين
• ائتمانات التعليم (عند انطباقها)

⚠️ أخطاء شائعة يجب تجنبها

• المطالبة بطفل لم يعش معك أكثر من نصف السنة (إلا إذا وُجد استثناء)
• مطالبة شخصين بنفس الطفل في نفس السنة
• عدم وجود نموذج 8332 عندما يكون مطلوباً
• إذا كان الطفل يدفع معظم نفقاته بنفسه
• محاولة طلب بعض الائتمانات بدون رقم SSN صالح (القواعد تختلف حسب الائتمان)

📄 حالات خاصة

الطلاق أو الانفصال

• غالباً الوالد الحاضن هو من يطالب بالطفل.
• الوالد غير الحاضن غالباً يحتاج موافقة موقعة (نموذج 8332) للمطالبة.

أطفال الرعاية (Foster)

• يجب أن يعيشوا معك أكثر من نصف السنة
• غالباً يجب أن تكون الإحالة عبر جهة معتمدة

ITIN مقابل SSN

• كثير من الائتمانات تتطلب SSN؛ وجود ITIN قد يقيّد بعض الائتمانات.

🧾 مستندات يُنصح بالاحتفاظ بها

• شهادة ميلاد أو مستندات حضانة/وصاية
• سجلات مدرسية/طبية تتضمن العنوان
• إثبات السكن معك
• إيصالات رعاية الأطفال
• حكم الطلاق + نموذج 8332 (إن وُجد)

✅ “ተገቢ ልጅ” (Qualifying Child) መስፈርቶች — ሁሉም መሟላት አለባቸው

1) የዝምድና መስፈርት

• ልጅ (ወንድ/ሴት), የባል/ሚስት ልጅ (stepchild), የማስተናገድ ልጅ (foster) ወይም የጉዲፈቻ ልጅ
• ወንድም/እህት, ግማሽ ወንድም/እህት
• የልጅ ልጅ (grandchild), የወንድም/እህት ልጅ (አንድ ልጅ / የእህት ልጅ)

2) የእድሜ መስፈርት

• በዓመቱ መጨረሻ ከ19 በታች, ወይም
• ሙሉ ጊዜ ተማሪ ከሆነ ከ24 በታች, ወይም
• በቋሚ እና ሙሉ የአካል/አእምሮ እክል ካለው ማንኛውም እድሜ

3) የመኖሪያ መስፈርት

ልጁ/ልጂቱ ከእርስዎ ጋር ከዓመቱ ግማሽ በላይ መኖር አለበት።

ጊዜያዊ መለያየት (ት/ቤት, ሕክምና, ወታደራዊ አገልግሎት) ብዙ ጊዜ እንደ “ከእርስዎ ጋር መኖር” ይቆጠራል።

4) የድጋፍ (Support) መስፈርት

ልጁ/ልጂቱ የራሱን ድጋፍ ከ50% በላይ መስጠት አይችልም።

ድጋፍ ማለት መኖሪያ, ምግብ, ልብስ, ትምህርት, ሕክምና ወዘተ ያካትታል።

5) የጋራ ታክስ መመለሻ (Joint Return) መስፈርት

ልጁ/ልጂቱ ከባል/ሚስት ጋር ጋራ መመለሻ ማቅረብ አይችልም።

ልዩ ሁኔታ: ታክስ ባለመኖሩ ለመመለስ ብቻ ከሆነ (refund) ሊፈቀድ ይችላል።

6) ዜግነት / የመኖሪያ ሁኔታ

• የአሜሪካ ዜጋ ወይም ብሔራዊ (U.S. national), ወይም
• በአሜሪካ / ካናዳ / ሜክሲኮ ነዋሪ

🚫 ሁለት ሰዎች ልጅን ለመክሰስ ካሞከሩ (Tie-Breaker Rules)

• ወላጅ ከወላጅ ያልሆነ ሰው በላይ ቅድሚያ ያገኛል
• ልጁ ከበለጠ ጊዜ ጋር የኖረበት ወላጅ ይሸነፋል
• ተመሳሳይ ከሆነ: ከፍተኛ AGI ያለው ወላጅ ይበልጣል
• ወላጆች ካልከሱ: ከፍተኛ AGI ያለው ሰው ይበልጣል

💰 ሊጠቅሙ የሚችሉ የታክስ ጥቅሞች

• Child Tax Credit / Additional Child Tax Credit
• EITC (Earned Income Tax Credit)
• Head of Household (ከተገቢ ሆነ)
• Child & Dependent Care Credit
• Education credits (ተገቢ ሲሆን)

⚠️ የተለመዱ ስህተቶች

• ልጁ ከ6 ወር በታች ብቻ ከእርስዎ ጋር ኖሮ መክሰስ (ልዩ ሁኔታ ካልነበረ)
• ሁለት ወላጆች በአንድ ጊዜ አንድ ልጅ መክሰስ
• Form 8332 ሲያስፈልግ አለመያዝ
• ልጁ የራሱን ድጋፍ አብዛኛውን እሱ/እሷ ካሳየ
• SSN የሚፈልጉ ክሬዲቶችን ህጉ ሳይፈቅድ መሞከር

🧾 ይመከራል የሚያስረጉ ማስረጃዎች

• የልደት ማረጋገጫ / የፍርድ ቤት ሰነዶች
• የት/ቤት ወይም የሕክምና መዝገቦች (አድራሻ ያሳዩ)
• ከእርስዎ ጋር እንደኖረ ማስረጃ
• የቤት ልጅ እንክብካቤ ደረሰኞች
• የፍቺ ውሳኔ + Form 8332 (ካለ)

✅ Règles “Enfant admissible” (toutes doivent être remplies)

1) Lien de parenté

• Fils/fille, beau-fils/belle-fille, enfant adopté ou placé (foster)
• Frère/sœur, demi-frère/demi-sœur
• Petit-enfant, neveu/nièce

2) Âge

• Moins de 19 ans à la fin de l’année, OU
• Moins de 24 ans s’il/elle est étudiant(e) à temps plein, OU
• Tout âge en cas d’invalidité totale et permanente

3) Résidence

L’enfant doit avoir vécu avec vous plus de la moitié de l’année.

Les absences temporaires (école, soins médicaux, service militaire) comptent souvent comme une résidence avec vous.

4) Soutien (support)

L’enfant ne doit pas fournir plus de 50% de son propre soutien.

Le soutien comprend le logement, la nourriture, les vêtements, l’éducation et les soins médicaux.

5) Déclaration conjointe

L’enfant ne peut pas produire une déclaration conjointe avec un(e) conjoint(e).

Exception : déclaration conjointe uniquement pour obtenir un remboursement (sans impôt dû).

6) Citoyenneté / statut de résidence

• Citoyen(ne) américain(e) ou “U.S. national”, ou
• Résident(e) des États-Unis, du Canada ou du Mexique

🚫 Règles de départage (si plusieurs personnes peuvent réclamer l’enfant)

• Le parent prime sur une personne non parente
• Le parent avec lequel l’enfant a vécu le plus longtemps prime
• Si égalité : le parent avec l’AGI le plus élevé prime
• Si aucun parent ne réclame : l’AGI le plus élevé prime

💰 Avantages fiscaux possibles

• Crédit d’impôt pour enfant / crédit additionnel (selon le cas)
• Crédit d’impôt sur le revenu gagné (EITC)
• Statut “Chef de famille” (si admissible)
• Crédit pour garde d’enfants et personnes à charge
• Crédits d’éducation (si applicable)

⚠️ Erreurs fréquentes

• Réclamer un enfant qui n’a pas vécu avec vous plus de la moitié de l’année (sauf exception)
• Deux personnes réclament le même enfant
• Oublier le formulaire 8332 lorsque nécessaire
• L’enfant a payé la majorité de son propre soutien
• Réclamer certains crédits sans SSN valide (les règles varient)

🧾 Documents à conserver

• Acte de naissance ou documents de garde/tutelle
• Dossiers scolaires/médicaux indiquant l’adresse
• Preuves de résidence (bail, courrier, attestations)
• Reçus de garde d’enfants
• Jugement de divorce + formulaire 8332 (si applicable)

✅ Règ pou “Timoun ki Kalifye” (fòk yo TOUT respekte)

1) Tès relasyon

• Pitit gason/pitit fi, pitit bèl (stepchild), timoun adopte oswa timoun nan gad (foster)
• Frè/sè, demi-frè/demi-sè
• Pitit pitit, neve oswa nyès

2) Tès laj

• Pi piti pase 19 an nan fen ane a, OSWA
• Pi piti pase 24 an si li se elèv a tan plen, OSWA
• Nenpòt laj si li gen yon andikap total e pèmanan

3) Tès rezidans

Timoun nan dwe viv avèk ou plis pase mwatye ane a.

Absans tanporè (lekòl, swen medikal, sèvis militè) souvan konte tankou li t ap viv avèk ou.

4) Tès sipò (support)

Timoun nan pa dwe peye plis pase 50% nan depans pwòp li.

Sipò gen ladan lojman, manje, rad, edikasyon, ak swen sante.

5) Tès deklarasyon ansanm (joint return)

Timoun nan pa ta dwe ranpli deklarasyon taks ansanm ak mari/madanm.

Eksepsyon: si yo ranpli li sèlman pou reklame ranbousman (san taks yo dwe).

6) Sitwayènte / estati rezidans

• Li dwe sitwayen/nasyonal Etazini, oswa
• Rezidan Etazini, Kanada, oswa Meksik

🚫 Règ pou kraze konfli (si plis pase yon moun ka reklame timoun nan)

• Paran genyen sou moun ki pa paran
• Paran timoun nan te viv plis tan avè l la genyen
• Si toujou gen konfli: paran ki gen AGI pi wo a genyen
• Si okenn paran pa reklame: moun ki gen AGI pi wo a genyen

💰 Avantaj taks ou ka kalifye pou yo

• Kredi Taks pou Timoun / Kredi siplemantè (si sa aplikab)
• EITC (kredi sou revni travay)
• Head of Household (si ou kalifye)
• Kredi pou gad timoun & depandan
• Kredi edikasyon (lè sa aplikab)

⚠️ Erè moun fè souvan

• Reklame yon timoun ki pa t viv avè w plis pase 6 mwa (sof si gen eksepsyon)
• De moun reklame menm timoun nan
• Pa gen Form 8332 lè li nesesè
• Timoun nan te peye pifò depans li
• Eseye pran kèk kredi san SSN valab (règ yo ka diferan)

🧾 Dokiman ou dwe kenbe

• Batistè / papye tribinal (gad/titèl)
• Dosye lekòl/doktè ki montre adrès
• Prèv timoun nan te viv avè w
• Resi gad timoun
• Divòs / papye + Form 8332 (si sa aplikab)

Disclaimer: This page provides general tax information for educational purposes and is not legal advice. Tax rules can change, and outcomes depend on your facts. For personalized guidance, call YebboTax at 619-255-5530.

ChatGPT, Privacy, and the Meaning of “Public Use” — Fully Cited

ChatGPT, Privacy, and the Meaning of “Public Use”

A Clear, Factual Guide to What Happened — and What Did Not
Version: Fully cited (web) — 2026

Table of contents

1. Introduction
2. Part I — Why the Confusion Happened
3. Part II — What ChatGPT Is (and Is Not)
4. Part III — Consumer vs Enterprise vs Government AI Systems
5. Part IV — The 2025 Government Incident (Timeline)
6. Part V — Exposure vs Breach vs Leak vs Theft
7. Part VI — What Happens to Your Data When You Use ChatGPT
8. Part VII — Ownership &Intellectual Property
9. Part VIII — Safe, Responsible Use Without Fear
10. Part IX — Accountability
11. Part X — Fear, Headlines, and Misinformation
12. Part XI — Final Clarity

Introduction

In 2026, reporting described an incident in which sensitive government contracting documents marked “For Official Use Only” were uploaded into the consumer (non-enterprise) version of ChatGPT, triggering internal security alerts and review. This guide explains what that kind of incident means, what it does not mean, and how ChatGPT privacy works for everyday users. [1] [2] [3]

Throughout, terms such as “public,” “exposure,” “breach,” and “leak” are used precisely, because confusion usually comes from mixing everyday meanings with cybersecurity and compliance meanings.

Part I — Why the Confusion Happened

Most people interpret “public” as “visible to others.” In institutional and cybersecurity contexts, “public” often means “consumer-accessible” (not enterprise- or government-approved), which does not imply that your content becomes publicly viewable.

Headlines compress nuance. Phrases like “public version of ChatGPT” can sound like public disclosure, even when the underlying fact is about using a non-approved tool for certain categories of data. [2]

Part II — What ChatGPT Is (and Is Not)

ChatGPT is a generative language model accessed through an application. It generates responses based on the text in your current conversation; it does not provide a public directory of other users’ prompts or uploads.

Chat history is an application feature for convenience. Turning history on/off affects retention and whether conversations may be used to improve systems (depending on settings), but it does not create cross-user visibility. [5]

Part III — Consumer vs Enterprise vs Government AI Systems

Consumer ChatGPT is “public” only in the sense that anyone can sign up. Enterprise deployments typically include additional contractual guarantees and administrative controls, and may include commitments not to use business data for training. [7]

Government environments can impose stricter rules: using a non-approved system for sensitive-but-unclassified data can trigger alerts even if no outside party ever sees the content.

Part IV — The 2025 Government Incident (Timeline)

Reportedly, the uploads triggered automated internal monitoring and data-loss-prevention alerts. Internal review followed. Reporting described the event as a policy/compliance issue; it did not establish that the documents were publicly available or accessed by other users. [2] [3] [4]

Part V — Exposure vs Breach vs Leak vs Theft

Exposure (compliance sense) typically means data moved outside an approved boundary. It does not, by itself, prove unauthorized access.

A breach generally requires unauthorized access to data; a leak generally requires disclosure/availability beyond intended recipients; theft implies malicious taking. The reporting on the incident emphasized alerts and policy review, not confirmed external access or public disclosure. [2]

Part VI — What Happens to Your Data When You Use ChatGPT

Your prompts are processed to generate responses in-session. Conversations may be stored depending on your settings. OpenAI describes controls that allow users to manage history and model training preferences. [5] [9]

Turning off “Chat History &Training” prevents new chats from being used for training and keeps them out of your history, while still preserving private, account-level handling. [8]

Part VII — Ownership &Intellectual Property

Using ChatGPT does not make your prompts or work “public.” You retain ownership of your work; other users cannot browse or retrieve your conversations.

Practical protection: avoid uploading regulated client files, secrets, or identifiers; abstract sensitive details; treat ChatGPT like a drafting/brainstorming tool rather than long-term storage.

Part VIII — Safe, Responsible Use Without Fear

Generally safe: drafting, rewriting, brainstorming, coding help, learning, and creative work (without sensitive identifiers).

Avoid uploading: passports/SSNs, medical records, client tax returns, sensitive government documents, and trade secrets. Use the right environment for regulated data.

Part IX — Accountability

Platforms owe users privacy-by-design, clear settings, and transparent documentation. Institutions owe clear tool-approval policies and consistent enforcement. Users owe themselves informed judgment: privacy is not permission.

Part X — Fear, Headlines, and Misinformation

Ambiguous terms + compressed headlines + rapid sharing create worst-case interpretations. A durable rule for readers: ask whether there is evidence of unauthorized access or public availability before concluding there was a breach or leak.

Part XI — Final Clarity

Consumer ChatGPT is not a public archive. Other users cannot see your prompts. “Public tool” does not mean “public data.” The reported incident describes an internal policy violation, not a confirmed public disclosure. [2] [6]

Use ChatGPT confidently for appropriate tasks; keep regulated and secret data in approved systems.

References

1. Times of India
2. CSO Online
3. NDTV
4. TRT World
5. OpenAI - Privacy Policy
6. OpenAI - Consumer Privacy
7. OpenAI Help - Data Privacy FAQ (GPTs)
8. OpenAI Help - Keep history on but disable training
9. OpenAI - New ways to manage your data in ChatGPT

Note: Citation markers like [1] correspond to the numbered references list.

What’s New in 2025 U.S. Taxes (File in 2026)