This report highlights the significant financial access barriers faced by U.S.-based international charities due to de-risking practices by banks. Since the post-9/11 expansion of AML/CFT regulations, two-thirds of nonprofits surveyed report encountering delays, documentation burdens, increased fees, and account closures. These restrictions, driven by regulatory fears and inconsistent enforcement, often force charities into less transparent financial channels, undermining aid efforts and global financial oversight. The report advocates for regulatory reform through stakeholder collaboration, updated examiner guidance, centralized due diligence systems, and streamlined crisis payment mechanisms.