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ADA Compliance for Small Business: Cross-Border Owners Guide

Learn how the Americans with Disabilities Act applies to foreign-owned and cross-border U.S. businesses: job rules, customer access, penalties and tax credits.

Last reviewed October 27, 2026 · 3 min read · General information, not legal advice

General information only, not legal advice. CPA Tax Payroll and Accounting Corp is a CPA firm, not a law firm. Laws change: confirm with the official source or a licensed attorney before you act. Read the full notice.

ADA compliance for small business means following two sets of rules in one 1990 law, the Americans with Disabilities Act (ADA). Title I covers jobs. The EEOC, short for the U.S. Equal Employment Opportunity Commission, enforces it. Title III reaches businesses that are open to the public; the U.S. Department of Justice (DOJ) enforces it, and so do private lawsuits. This page is for owners of U.S. businesses with India or Canada ties, such as a foreign-owned shop or clinic in the Fox Valley.

Slide show: The ADA in seven slides

  1. What it is

    The ADA (1990, amended 2008) bars disability discrimination in jobs and in businesses open to the public.

  2. Who it affects

    Employers with 15 or more employees, for jobs. Customer-facing businesses of any size, for Title III.

  3. The rule

    Offer reasonable accommodations, fix easy barriers, communicate effectively and welcome service dogs.

  4. The number

    Job-case compensatory and punitive damages are capped at $50,000 to $300,000, by employer size.

  5. The deadline

    File an EEOC charge within 180 days, or 300 in Illinois. A worker generally has 90 days to sue after the EEOC's notice.

  6. The penalty

    A first Title III violation carries DOJ civil penalties up to $118,225, and later ones up to $236,451, with no 2026 increase.

  7. The tip

    Ask no health questions before a job offer, and keep medical records in separate, confidential files.

Who does ADA compliance for small business cover?

ItemRule
Title I employerThe employer has 15 or more employees for each working day in at least 20 calendar weeks of the current or preceding year. Excluded: Native American tribes, bona fide tax-exempt private clubs, and the U.S. government along with its wholly owned corporations.
Title III businessPrivate firms in listed categories, such as restaurants, stores, banks, hotels, medical offices, gyms, accountants' offices and insurance offices. Nonprofits serving the public count. Religious organizations and bona fide private clubs are exempt, though a club does not become exempt through fees alone.
Office buildings, warehouses, factoriesHeld only to the building standards the ADA sets for new construction and alterations.

What ADA compliance means for a foreign-owned or cross-border business

SituationWhat the law saysWhat to check
Foreign-owned U.S. employerTitle I counts employees; its exclusions omit foreign ownership. Workplaces abroad have separate rules.Count staff weekly. Ask an attorney how a parent group counts.
Storefront or office open to U.S. customersNo size test. Barriers come out when "readily achievable," judged by size and resources.Entrance, parking, counter. See local licenses and permits.
Website or online bookingNo federal regulation sets detailed standards for private sites. DOJ guidance of March 18, 2022 says Title III applies to web content.Try forms with the keyboard alone.
Interviews for a U.S. jobNo disability questions or medical exams before an offer.Review interview scripts.
Access spendingDisabled Access Credit (Form 8826) and a deduction.See business tax returns and planning.

Where to go next

ADA rules and checklist has the numbers, changes and the Curb-to-Cursor Access Round. Related: the Age Discrimination in Employment Act, Title VII, the Illinois Human Rights Act and our U.S. employer checklist.

Frequently asked questions

Does the ADA apply under 15 employees?

Title I, for jobs, starts at 15. Title III has no size test.

Official sources

This page summarizes public guidance in plain language. If anything here differs from the official source, the official source controls.