Serbinski Accounting Firms

I have received a 1099 for my Citifund RRSP and have reported it each year that I’ve filed US taxes. I also have TD Waterhouse RRSPs. I contacted TDW and was told no 1099 was needed because the reporting was done by TD.
My problem is I have TD savings and Line of Credit accounts that have at times ...

Can someone explain to me why I shouldn't use this option instead of the Streamlined procedure?

https://www.irs.gov/Individuals/Interna ... Procedures

Thanks for bringing this to my attention. I had read of it in other forums and come to the wrong conclusion that it wasn’t appropriate for my situation.

I was recently enlightened to the fact that I should have been filing FBARs for the past 4 years. I have the necessary info and it seems straight forward, but I do have a few questions.
I see there are selections for reasons, but should a letter of explanation be included as well?
My Canadian bank ...