Effective December 1, 2025, the Financial Crimes Enforcement Network (FinCEN) will enforce the Residential Real Estate Reporting Rule. This new regulation applies to non-financed residential real estate transactions across the United States, aiming to enhance transparency and combat financial crimes in the real estate sector.
Who is Affected?
The rule directly impacts closing attorneys, title agents, and other professionals involved in residential real estate transactions. These individuals must evaluate whether a transaction is reportable under the rule and take appropriate actions.
What Does Compliance Involve?
For reportable transactions, the responsible individual must:
- Collect identifying information about all parties involved in the transaction.
- File a detailed report with FinCEN, certifying its accuracy.
- Retain key documents for at least five years from the transaction’s closing date.
Non-compliance can result in significant penalties, including fines and potential criminal liability.
How RRE Report Can Help
RRE Report offers a comprehensive solution to simplify compliance with the new rule. Our platform enables professionals to:
- Determine whether a transaction is reportable.
- Collect and organize the required information.
- File FinCEN reports electronically.
- Maintain archives for the mandatory retention period.
- Provide audit trails to demonstrate reasonable reliance.
- Support internal control audits and staff training.
With RRE Report, you can confidently navigate these changes while minimizing risk and ensuring compliance.
For more information on the Residential Real Estate Reporting Rule and how RRE Report can support you can send us an email,
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