FinCEN Residential Real Estate
Reporting Rule
The Financial Crimes Enforcement Network (FinCEN) Anti-Money Laundering (AML) Reporting Rule is set to take effect on March 1, 2026.
What to Report?
Residential Real Estate
All Cash or Non-Institutional Lender
Transferring to an Entity or Trust
Doesn't meet exception or exemption
Transactions closing on or after March 1, 2026
(closing is date ownership interest is received)
Who must Report?
Typically, the closing attorney
(settlement agent to the transaction,
cascade hierarchy structure, or agreement)
When to Report?
Last day of the month following closing
or 30 calendar days after closing
How to Report?
Electronically with FinCEN
Real Estate Report form
Why?
To enhance transparency and deter illicit financial activities because all-cash transactions involving entities or trusts have been identified as high-risk for money laundering activities due to the potential for anonymity.
LM Title will present a special 2026 Updates CLE on
Wednesday, February 4 at noon
We will discuss a few topics including FinCEN. More details will be released soon.
You can go ahead and register by going to our CLE registration page.
FinCEN upcoming helpful webinars/CLEs by date
*Please note First American and WFGs are national events and information provided may not be specific to North Carolina or how North Carolina real estate transactions are conducted.
First American
To support you, we’ve curated a robust set of tools and guidance in our AgentNet Knowledge FinCEN Hub, along with several upcoming webinars designed to help you get ahead with confidence:
Upcoming Webinars
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Eagle Academy LIVE: Complying with FinCEN's Residential Real Estate Rule Requirements (Register Here)
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Tuesday, January 13 | 12 p.m. and 2 p.m. ET.
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Get Ready for FinCEN Reporting with AgentNet® Services
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Tuesday, February 10 at 1 p.m. ET (Register Here)
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Tuesday, February 17 at 1 p.m. ET (Register Here)
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(Two identical sessions—choose the time that works best for you.)
LM Title
LM Title will present a
special 2026 Updates CLE
on Wednesday, February 4
at noon.
We will discuss a few topics including FinCEN. More details will be released soon.
You can register on our CLE Registration page.
WFG
WFG has partnered with a FinCEN reporting company to handle this time consuming task at a deep discount. To learn about this system, you and your approved attorneys can register for our live webinar next week at: https://myhome.zoom.us/webinar/register/WN_A8Kr5f1sSUeb11nVOnjivA#/registration.
They can also sign up for the service and access an overview webinar recording via the below link (The recording is located under the free resources tab) .
https://fincenrealestatereport.com/wfg-partner-program/
Early bird partner pricing is available through February 13th! If you have any questions, please do not hesitate to contact Austin Rozier at ARozier@wfgtitle.com.