FinCEN

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 March 1, 2026. 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. 

Download the Overview

Get Ready for the New Rule Now!

• Watch On-Demand Webinar:
  • So Long GTOs; Hello Forever Reporting - Watch Now
    Don't miss this thorough review of the new rule, what’s covered, who must report, what the report entails, and much more.
    
    
• Visit FinCEN's RRE Rule website: https://www.fincen.gov/rre
  Learn what is needed to prepare, file and frequently asked questions.
  
  
• View Our Partnership with FinCENRealEstateReport.com
  You can self-file or you can order reports in minutes (at a 20% discount), thanks to our partnership with FinCENRealEstateReport.com. While we’re always here to support you, using the FinCEN reporting vendor can lighten your workload. Plus, you can pass on the vendor fees to your clients. Reserve your special pricing by February 27! Get Started
  
  
• Set up a BSA E-Filing Account: https://bsaefiling.fincen.gov/AddUser
  
  
• Get familiar with the Facts, FAQs and Paradigm:
  • FinCEN Fact Sheet
  • FinCEN Quick Reference Guides
  • FinCEN Real Estate Reports FAQs (Updated Feb. 13)
  • FinCEN Residential Real Estate Rule Paradigm

Forms That Work for You

Comprehensive, concise and flexible for your workflow.

• ALTA 
  • Information Collection Form - Buyer
  • Information Collection Form - Seller
• Old Republic Title
  • Intake Form - Buyer
  • Intake Form - Seller
  • Intake Form - Funding
  • Certification Form

Share with Real Estate Professionals!

Be the go-to resource your clients rely on.

Use the flyer, New FinCEN Rule: Mandatory Buyer & Seller Reporting for Residential “Cash” Deals, to position yourself as a trusted advisor. Help real estate professionals play a key role in guiding buyers and sellers through these new requirements. Stay informed, protect your clients, and ensure compliance to avoid steep penalties. 

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