FinCEN Reporting
FinCEN is a regulatory body that collects and maintains financial transactions data, analyzes and disseminates this data for law enforcement purposes, and fosters global cooperation with counterpart organizations and international bodies. The core concept behind FinCEN's activities is "follow the money," focusing on criminals' financial gain motives and their financial trails.
A new Residential Real Estate Reporting Rule is planned to go into effect on December 1, 2025. This rule, which, like the GTOs, is intended to target money laundering activities, will cover all U.S. states and territories, has no price threshold, and is expanded to cover purchases by trusts and non-profit entities, most gifts, and vacant lands “designed principally for occupancy by 1-4 families.” FinCEN estimates it will require 2-2.75 hours to fill out each 111-field form under the new rule.
Get Ready for the New Rule Now!
- Sign up for the FREE July 16 webinar, So Long GTOs; Hello Forever Reporting.
- Visit FinCEN's RRE Rule website: https://www.fincen.gov/rre
Learn what is needed to prepare, file and frequently asked questions. - Set up a BSA E-Filing Account: https://bsaefiling.fincen.gov/AddUser
- Need help? Watch the video BSA E-Filing Account Setup
- Get familiar with the Facts, FAQs and Paradigm:
- Take a look at the Fund Concept articles:
- Watch ALTA's webinar, Learn How Proposed Real Estate Anti Money Laundering Rule Impacts You - https://youtu.be/DFVlplx0ROs
On-Demand Training
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FinCEN Reporting: BSA E-Filing Account Setup - Watch Now
Members filing Currency Transaction Reports (CTR) must first be granted access to FinCEN's E-Filing portal. Setting up a new account is explained in this recording. The CTR filing process is explained in another video: How to Complete a Currency Transaction Report. BSA E-Filing Account Setup BSA E-Filing Website Overview Become A BSA E-Filer
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FinCEN Reporting: How to Complete a Currency Transaction Report - Watch Now
Members filing Currency Transaction Reports (CTR) to comply with the mandate of a Geographic Targeting Order will find that process demonstrated and explained in this recording. The ALTA FinCEN Data Collection Form is a useful tool to determine a covered transaction and to collect information for reporting purposes. Learn how to setup a new E-Filing Account. How to Complete a CTR BSA E-Filing Website Overview Become A BSA E-Filer
Helpful Links
FAQs
FinCEN Residential Real Estate FAQs
Fund Alerts
Fund Alert - Real Estate GTO Apr 2025
Fund Alert - FinCEN E-Filers Beware
Fund Concept (Members Only)
The Time to Prepare for the Upcoming FinCEN Residential Real Estate Rule is NOW - 7/1/2025
GTOs Continue to Flow as FinCEN’s Upcoming Residential Real Estate Reporting Rule is Challenged in Court - 6/1/2025
New Anti-Money Laundering Regulations for Residential Real Estate Transfers - 5/1/2025
New FinCEN GTO - Now Applies
to 11 Counties! - 12/1/2023
General Counsel Blog
Up-to-Date Industry News and Information
Residential Real Estate
Reporting Rule Challenges
Fidelity National Title Ins. Co. v. Bessent
Corley v. U.S. Dept. of the Treasury
Flowers Title Companies v. Bessent
Additional Resources
ALTA - FinCEN GTO Information Collection Form
ALTA Fact Sheet - Money Laundering & Real Estate
U.S. Dept. of the Treasury – Fact Sheet - 12/11/2023
Corporate Transparency Act Abated for Domestic Entities
FinCEN Removes Reporting Requirements for Domestic Entities - 3/21/2025
Interim Final Rule
Interim Final Rule Q&A
FinCEN's BOI Resources
FinCEN's BOI FAQs
Questions
Send us your questions and we will get back to you as soon as we can. Help us learn about the issues you are encountering in your practices, which in turn guides how we can best support you.
Email: FinCENinfo@TheFund.com
News & Alerts
FinCEN Rule Faces Challenges
6/03/2025
Don’t get too excited. The rule still goes into effect December 1, 2025 and there has been no concrete change to this date or to the substantive provisions of the rule. But three lawsuits have been filed challenging the rule on similar grounds, primarily constitutionally based.
Real Estate Apr 2025 – Old Republic National Title Insurance Company
4/15/2025
A new Geographic Targeting Order (GTO) has been issued effective April 15, 2025 and ending on October 9, 2025.
FinCEN GTO Applies to 11 Counties
5/1/2024
All Fund Members are required to comply with the terms of the current Geographic Targeting Ord...
Get Ready for the Expanded FinCEN GTO
11/29/2023
Join us for a discussion about FinCEN’s expanded Geographic Targeting Order that now includes Hi...
FinCEN Compliance: E-Filing Currency Transaction Reports
2/1/2022
Fund Members responsible for filing CTRs are now required to use the BSA E-Filing System, an interactive website portal maintained by FinCEN.