What does the IRS think about this?

The IRS is fully aware of the 12-411 process — and rightfully so, considering it is a 111-year-old federal statute created by the Federal Reserve, the very entity that gave birth to the IRS itself. This is not a hidden or underground loophole. It’s a codified legal remedy that exists within Title 12 of the U.S. Code — not the Internal Revenue Code — because it’s a banking process, not a tax strategy.

So what does the IRS think?

• They know the process is legitimate, because it originates from the Federal Reserve Act and was codified into law in 1913.

• But they also know that most people don’t know how to do it correctly.

• If someone sloppily files a return claiming tax exemption under 12-411 without properly documenting the lawful money redemption process, the IRS will flag it as frivolous, reject the return, and fine the filer $5,000.

In other words, the IRS is not hostile to the 12-411 process — they’re simply watching to see:

• Did you actually complete the process properly?

• Or are you trying to imitate it without doing the real work?

At Wealth Guaranteed, we have mastered the proper execution of this process, ensuring every document is completed with precision and compliance. As a result, our clients have experienced zero IRS pushback and we maintain a 100% success rate across six years of delivering this service.

The IRS knows this process. They also know how to tell who’s done it right — and who hasn’t.

That’s why trying to “DIY” this in your basement can cost you thousands. Doing it with Wealth Guaranteed ensures you’re taken seriously, protected, and successful.