Forex trading is legal in Guam and operates under the comprehensive regulatory framework of the United States federal government. As an unincorporated U.S. territory in the Western Pacific, Guam is subject to U.S. federal laws including Securities and Exchange Commission regulations and Federal Reserve System rules for banking and monetary policy (1). The official currency of Guam is the U.S. Dollar, and it follows the same monetary policies as the U.S. mainland regulated by the Federal Reserve System (1).
Guam's banking system is primarily regulated by the U.S. federal government, particularly the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation. Local banks operating in Guam must be FDIC-insured and comply with U.S. banking laws including capital requirements, anti-money laundering laws, and consumer protection laws (1). The Department of Financial Institutions in Guam also oversees the operation of financial institutions ensuring they comply with both local and federal regulations (1).
"Guam does not have specific foreign exchange regulations; instead, it follows U.S. federal rules concerning cross-border financial transactions."
Foreign exchange dealers in Guam must obtain proper licensing through the Department of Revenue and Taxation's Insurance Securities Banking and Real Estate Division. License applicants must submit financial statements, maintain security bonds, provide police and tax clearances, and complete anti-money laundering compliance surveys (2). The U.S. Treasury Department's Office of Foreign Assets Control regulates financial transactions involving foreign countries including those in Guam, while consumer protection follows federal laws including the Fair Lending Act and Truth in Lending Act (1).
Source:
https://lawgratis.com/blog-detail/finance-law-in-guam-us
https://www.govguamdocs.com/revtax/docs/ForeignExchangeRenewalChecklist.pdf
Last updated: 15-10-2025 Disclaimer: This article does not provide legal advice. If you need legal advice, please contact an attorney directly.
