I think this is being blown out of proportion a bit and has the potential (well really already has) to deviate from the OP, so from what I know, understand and/or think, at the moment, given that Sarah said it’s being developed, it likely Starling don’t have systems in place to effectively report, and therefore comply with FACTA, when they do, they will be able to revisit whether to accept persons who hold US citizenship. Until then if they cannot effectively report to the IRS, then they cannot manage the money of persons with US citizenship. That is my understanding.
I may be wrong, you may have more knowledge (and have a different current understanding) than me, that’s cool. Neither of us are lawyers, neither of us fully understand this, so maybe it’s time to leave it to lawyers and starling and put it to bed.
If starling are being illegal in their treatment of persons with US citizenship, then I am sure a US person who is affected will complain and the issue will be looked at and if they are acting unlawfully, they will be forced to correct and/or punished.
But I think for now, on this forum, it’s probably time to agree to disagree yes?