Residential Real Estate Rule

Starting December 1, 2025, certain professionals involved in real estate closings and settlements must submit reports to FinCEN regarding certain non-financed transfers of residential real estate to legal entities or trusts. The Department of the Treasury has long recognized that the illicit use of residential real estate threatens U.S. economic and national security and can disadvantage those that seek to compete fairly in the U.S. real estate market. This reporting requirement is designed to increase transparency in the U.S. residential real estate sector and to combat and deter money laundering.

Prepare

⇨ What is the Real Estate Report?

⇨ When is a transfer reportable?

⇨ Am I a reporting person?

File

⇨ File a report using the BSA E-Filing System

⇨ Create a BSA E-Filing account

⇨ Create a Login.gov account

Alert: Filing a Real Estate Report directly through FinCEN’s BSA E-Filing System is free

There is no fee for submitting a Real Estate Report (RER) directly to FinCEN through FinCEN’s BSA E-Filing System at https://bsaefiling.fincen.treas.gov.

Reporting persons may use third-party service providers to submit RERs to FinCEN. Those providers might charge fees for their services. Before authorizing a third-party service provider to file a RER with FinCEN, you should: (1) understand the fees for the offered services; and (2) carefully review any terms of service or agreements.