FinCEN Real Estate Rule Resources.
Beginning March 1 2026, new federal reporting requirements will apply to certain real estate transactions. At Clear Title Agency we handle 100% of the FinCEN reporting process so you don’t have to. Our team stays on top of every federal requirement, manages all submissions, and when you complete your secure form quickly, we keep your closing moving forward. When regulations change, we adapt. When you need help, we’re here. Always.
Compliance Made Simple.
During a transaction you may be asked to provide:
Use Our App to Check for Reporting Requirements.
Helpful Resources
Clear Title Agency of Arizona is contracted with FincenRealEstateReport.com for data collection and FinCEN reporting.
Reporting Guidelines
A Transaction Must be Reported When All of the Following Apply:
Residential Real Property is Considered the Following:
Frequently Asked Questions (FAQs)
A non-financed transfer (all-cash) is any real estate transaction that doesn’t involve a loan or line of credit secured by the property, or where the financing comes from a source that isn’t regulated under federal anti-money laundering rules. This includes all-cash purchases, deals funded by the seller, private loans, or any transaction in which the lender isn’t subject to the Bank Secrecy Act (BSA) and related Anti-Money Laundering (AML) regulations. Simply put, if there’s no traditional mortgage or the lender isn’t regulated for AML, the transfer is considered non-financed.
A buyer or transferee trust is any legal arrangement where a grantor places assets (like real estate) under the control of a trustee for the benefit of one or more beneficiaries or for a specific purpose. Even if the property is titled in the trustee’s name rather than the trust’s, it still counts as a transferee trust for reporting purposes.
If you’re selling a property where the buyer is subject to the new FinCEN rule—such as when a legal entity or trust is purchasing—the transaction details must be reported to FinCEN. While sellers are not responsible for filing the report, you may be asked to provide information or documentation to support the reporting process. Cooperating with your title company, closing attorney, or settlement agent helps ensure a smooth and compliant transaction.
By understanding these requirements and working closely with your transaction team, you can help prevent delays and ensure your sale meets all federal guidelines.
Title agents and settlement agents will be impacted most, since they are mainly responsible for reporting qualifying transactions to FinCEN. Real estate professionals should also become familiar with the rule so they can answer client questions and help guide transactions. Legal entities and trusts involved in property transfers will need to understand their new reporting and compliance responsibilities. Because of the changes, everyone involved should expect to update their processes and complete additional training to remain compliant and avoid penalties.