What REALTORS® Need to Know About the New FinCEN Rule


Effective March 1, 2026 At Agency Title, we want our real estate partners fully prepared for the new federal reporting requirements issued by the Financial Crimes Enforcement Network (FinCEN), which take effect March 1, 2026. This rule will impact certain all-cash residential transactions where buyers are taking title as an entity – and early awareness will help us keep your closings smooth and on schedule.

What Triggers a Report?

A report is required when:

  • The purchase is non-financed (all cash)
  • The buyer is a legal entity or trust (LLC, corporation, partnership, trust, etc.)
  • The property is residential real estate

If you’re representing an LLC or trust buyer paying cash, assume this rule likely applies and loop us in early.

What This Means for You

In most cases, the title or settlement company – not the agent – will be responsible for filing the report. As your closing partner, Agency Title will handle the reporting obligation when required.

However, REALTORS® play a key role in:

  • Identifying entity buyers early
  • Notifying us as soon as possible
  • Helping set expectations with clients about required ownership documentation

The report requires information about the entity, its beneficial owners, and the individuals signing on its behalf. Gathering this information early will prevent delays at closing.

Timing Matters

Reports must be filed within 30 days of closing. While filing happens post-closing, documentation must be collected in advance — which makes early communication essential.

Our Commitment to You

Agency Title is fully prepared to manage compliance with these new regulations. Our goal is simple:

✔ Protect your transaction

✔ Protect your client

✔ Keep your closing on time

If you have upcoming entity or trust buyers, reach out to our team early so we can guide you through the process.

We’re here to make this transition seamless for you and your clients.