What is the FinCEN Residential Real Estate Rule?
A FinCEN reporting rule finalised in August 2024 and effective 1 December 2025 that requires designated reporting persons in non-financed residential real-estate sales to report transferee, beneficial-owner, and transaction information for sales to entities and trusts. It replaces the earlier county-by-county Geographic Targeting Orders (GTOs) with a permanent nationwide regime. It is a reporting obligation, not a full AML programme requirement.