FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 1031.320)
FinCEN final rule, 89 FR 70258 (Aug 29, 2024), 31 CFR 1031.320 — a streamlined SAR "Real Estate Report" for non-financed transfers of residential real property to legal entities and trusts. Compliance date was delayed to Mar 1, 2026, then the rule was VACATED nationwide (E.D. Texas, Mar 19, 2026); FinCEN appealed. NOT currently required. Tracked here for readiness in case it is reinstated on appeal.
Verbatim regulatory text
Verbatim provisions from FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 1031.320) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
FinCEN RRE — WATCH (VACATED): Real Estate Report on non-financed residential transfers to entities/trusts
The final rule imposes a streamlined suspicious activity report (SAR) filing requirement under which reporting persons, as defined, are required to file a “Real Estate Report” on certain non-financed transfers of residential real property to legal entities and trusts.
FinCEN RRE — WATCH (VACATED): scope — non-financed transfers to entities/trusts; transfers to individuals not covered
require certain persons involved in real estate closings and settlements to submit reports and keep records on certain non-financed transfers of residential real property to specified legal entities and trusts on a nationwide basis. Transfers made directly to an individual are not covered by this rule.