FinCEN has officially dropped the hammer: a sweeping nationwide rule goes into effect December 1, 2025, requiring title professionals to report the real owners behind all-cash entity purchases of residential real estate. In this episode, Zina and Crosby walk you through the why, what, and how—giving you a clear roadmap to stay compliant and confident. If you've ever handled a deal involving an LLC, trust, or shell company, you need this breakdown before the deadline hits.

What you'll learn from this episode

• Why FinCEN is targeting real estate and why it affects all agent s, not just banks
• How the GTO pilot evolved into a permanent nationwide mandate
• Transactions are covered under the new rule
• Who is responsible for filing and what must be reported
• Civil and criminal penalties for non-compliance and how to avoid them
• Practical steps to integrate reporting into your existing title workflows

Resources mentioned in this episode

• American Land Title Association
• FinCEn
• US Department of the Treasury

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