What Is FinCEN and What the March 1, 2026 Reporting Rule Means for Real Estate

You may be hearing more about FinCEN [Financial Crimes Enforcement Network] and how it’s impacting certain Real Estate closing procedures and settlements?
On March 1, 2026, a new federal reporting requirement became effective for certain residential Real Estate transactions involving Legal Entities and Trusts. Here are direct quotes and links so you can learn more.

Residential Real Estate Rule

“The Residential Real Estate Rule requires certain professionals involved in real estate closings and settlements to submit reports to FinCEN regarding certain non-financed transfers of residential real estate to legal entities or trusts.”
“The Department of the Treasury has long recognized that the illicit use of residential real estate threatens U.S. economic and national security and can disadvantage those that seek to compete fairly in the U.S. real estate market. This reporting requirement is designed to increase transparency in the U.S. residential real estate sector and to combat and deter money laundering.” (https://www.fincen.gov/rre)
While the rule is directed at Escrow, Settlement agents, and Attorneys, it may affect transaction timelines, documentation requests, and how certain entity or Trust purchases are handled.

What types of transfers are not considered reportable?

For a list of transfers of Residential Real Property that do not need to be reported, click on the FAQ link and scroll to E.3. (https://www.fincen.gov/rre-faqs#E_3)
For all FinCEN Frequently Asked Questions (FAQ), click here.
Once your purchase has closed, many owners choose to move the Title of their property into a Living Trust or an entity they own, such as an LLC or corporation. When you’re ready to make that change, we’re here to assist you with the transfer process.
Contact us anytime after closing when you are ready to begin the transfer process.
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