FinCEN Residential Real Estate Reporting Rule Takes Effect This Sunday
By Title Action Network
The Financial Crimes Enforcement Network (FinCEN) Residential Real Estate Reporting Rule takes effect this Sunday, March 1, 2026. Under the Rule, a reporting person must file a Real Estate Report with FinCEN for certain non-financed transfers of residential real property where at least one transferee is a non-natural person. The reporting obligation will, in most covered transactions, fall to the settlement agent or title insurance professional involved in the closing.
The following resources provide specific details regarding reporting mechanics, data collection requirements, and operational considerations:
ALTA FAQs and Information Collection & Certification Forms for Buyers and Sellers — FAQs & forms developed to help title professionals request information necessary to meet the Rule’s reporting requirements. (ALTA members only)
ALTA FinCEN Bootcamp Recordings — Recorded virtual training sessions addressing the Rule’s more than 111 data points, reporting workflows, and implementation considerations, including presentations from Channing Mavrellis, FinCEN senior regulatory policy project officer.
FinCEN Real Estate Report form — the official electronic form required for reporting covered transactions under the Rule.
FinCEN Frequently Asked Questions (FAQs) — nearly 100 FAQs addressing implementation of the Residential Real Estate Reporting Rule, many of which reflect questions previously identified by ALTA’s FinCEN Work Group. FinCEN has indicated that additional guidance may be issued over time.
Questions for FinCEN – You can contact them at www.fincen.gov/contact
Questions for ALTA – You can email FinCEN-related questions to FinCEN@alta.org
These resources are the result of hundreds of hours of work and continued engagement by ALTA and its members. We encourage all Title Action Network members to stay involved in with these efforts and encourage your colleagues to do the same! TAN is only as strong as the number of voices taking action, so spread the word about joining today.
Title Action Network
