02/23/2026
•Effective March 1, 2026, certain all-cash residential transactions involving entities or trusts must be reported to FinCEN under the new Residential Real Estate Reporting Rule.
• Title companies and settlement agents file the report — not the buyer or the agent — but buyers will need to provide ownership and transaction details.
• This rule increases transparency and helps combat financial crime, so clients should expect additional information requests at closing and only rely on official FinCEN communication.