Are you Prepared for FinCEN?
CLTA Members are Encouraged to Start Preparing for Industry-Wide Anti-Money Laundering Regulations for Residential Real Estate Transfers
In a recent press release, the Financial Crimes Enforcement Network (FinCEN) announced that it is postponing the reporting requirements of its Anti-Money Laundering Regulations for the Residential Real Estate Transfers Rule (RRE Rule) by three months to March 1, 2026. 

​Unlike previous FinCEN rules, the Anti-Money Laundering in Real Estate Rule (Rule) is expected to impact all CLTA members handling sale transactions involving buyer entities or trusts without involving FDIC-insured lenders. The Rule applies nationwide, has no purchase price thresholds, offers limited transactional exemptions, and mandates the collection and reporting of significant amounts of information.

Members seeking more information about the Rule are encouraged to explore CLTA’s and ALTA’s educational resources, including CLTA's Titlecast and CLTA's FinCEN Resource Center!
Episode 34:  Overview of the FinCEN Final Residential Real Estate Rule (Part 1)
•    What transactions are covered?
•    What types of property are covered?
•    Which portions of the United States does this rule cover?
•    Are any transactions exempted from the Rule?
•    What information has to be reported?
•    Who is required to report the information under the rule?.
Episode 35:  Considerations for FinCEN Implementation (Part 2)
​This episode covers what should be considered in order to take proactive measures to prepare for the FinCEN Rule, like the potential components of a comprehensive implementation plan, possible ways to leverage technology, Bank Secrecy Act e-filing requirements, and more.
Episode 38:  Examining the Definition of "Residential" and "Non-Financed" Under the New Rule (Part 3)
This episode explores how the Final Rule defines “residential” and “non-financed” transactions and the implications of those definitions.
Episode 39:  Beneficial Ownership (Part 4)
This episode we discuss ways to determine who is a beneficial owner, go over what an ownership interest is and ways to calculate ownership interest. ​
Episode 40:  Exempt Transactions (Part 5)
This episode we explore what may qualify as an exempt transaction and discuss ways to determine whether a specific transaction falls into that category.
Episode 42: Operational Strategy for Staff / Customers & Penalties (Part 6)
This session covers key considerations for preparing staff to handle collection and reporting requirements under the rule, as well as the penalties for violations
Episode 43:  Information Collection (Part 7)
This presentation stresses collecting the required information early, ensuring it is completed in order to close, and storing it securely in compliance with company policy.


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