What Is the New FinCEN Real Estate Rule?

Beginning March 1, 2026, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) will require certain real estate transactions to be reported to the federal government.

The goal is to prevent money laundering through real estate purchases, especially those made through shell companies or trusts.

This rule does NOT apply to most traditional homebuyers.

Who Does the Rule Apply To?

This rule primarily affects non-financed real estate purchases, meaning:

 ✔️ The buyer is an LLC, corporation, or trust
 ✔️ The purchase is all-cash or not financed by a traditional lender
 ✔️ The property is residential (single-family homes, condos, townhomes, or small multifamily properties)

If you are buying a home with a mortgage from a bank or lender, this rule generally does not apply to you.

Who Files the Report?

Homeowners and buyers do not file anything themselves.

The responsibility falls on:

• The title company
• The closing or escrow agent
• Or the real estate attorney handling the transaction

They submit a secure report to FinCEN identifying:

• The property
• The purchasing entity
• The individuals who own or control that entity

This information is not public and is used only for federal compliance purposes.

When Does This Take Effect?

March 1, 2026 📅

Any qualifying transaction closing on or after this date must comply.

What This Means for Arizona Buyers and Sellers

If you’re buying or selling in Tucson, Phoenix, Scottsdale, or anywhere in Arizona, here’s the key takeaway:

• Most homeowners won’t notice any change
• Investors using LLCs or trusts should expect a few extra questions
• Your real estate professional and title company will handle the process

This is about transparency — not restrictions — and it will not slow down a properly prepared transaction.

Final Thoughts from a Tucson Real Estate Professional

As a real estate advisor working with buyers and sellers across Southern Arizona, my job is to stay ahead of changes like this so you don’t have to worry about them.

If you’re planning to:

• Buy or sell a home
• Purchase property through an LLC or trust
• Invest in Arizona real estate

I’m happy to walk you through exactly how this new rule may (or may not) affect you.

Have questions? Let’s talk before you list or buy.