FinCEN Reporting Requirements for Home Transfers

FinCEN Reporting Requirements for Home Transfers

FinCEN’s "Residential Real Estate Rule" requires reporting beneficial ownership information for non-financed, legal entity/trust transfers of residential property to combat money laundering. Reports are due by the last day of the month following the closing date. This regulation aims to increase transparency in high-risk, non-financed real estate transactions. Certain transactions are exempt from reporting because they lack a "reporting person", such as those involving no formal closing agent, title insurer, or similar professional - are exempt.