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FinCEN Real Estate Report Collect & File Services

Built for title and escrow. Order reports in a minute through title software or a secure portal and leave everything to experts with 150,000+ FinCEN filings completed. We securely collect information, insure filings and file with FinCEN for you.

How it Works
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Real estate reporting required in 

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Free 1hr Masterclass

Industry Leader in FinCEN Compliance

Proven & Secure FinCEN Filing Solution

1,000+

U.S. Firms

Use our FinCEN filing products and services today at law firms, accounting firms, fund management services, and real estate services providers.

150,000

Annual Filings

Flow securely through our solutions each year to FinCEN, supporting ongoing compliance for entities and their professional services providers. 

SOC2 Type2 Secure

Certification protects client data. This rigorous standard and recurring audits assures security best practices and regular testing for our solutions and services.

40+

State Associations

Including state bar associations, CPA societies, and real estate groups work with our experts for continuing regulatory education courses and services.

- HOW IT WORKS -

FinCEN Filing. Done for You.

We handle the full filing process including information collection, answering customer questions, notifying you when clear-to-close, and filing with FinCEN. We even insure our filing process perfected over 150,000 FinCEN reports to protect you from penalties. Order a report and leave the rest to our experts. 

Order reports in 1 minute with title integrations or secure portal.

Start a report online with only a few data points and we’ll gather the rest. Integrations with leading title software and OCR options automate order creation.

We gather info & confirm FinCEN filing ready before your closing.

Our U.S. team reaches out to buyers and sellers with secure links, answers regulatory questions, and guides customers through an easy 5 minute online submission. 150K completed to date.

We file for you after closing. Pay only if your transaction closes.

We manage reminders & validate data. Get email digests of all file statuses or log in to review. We file with FinCEN & you pay only for closed transactions. Customer payment options available. All filings insured.

Integrations Available

More than a form. FinCEN filings complete every time.

- DEMO VIDEO 1 -

Reports in Under 2 Minutes

See how you can manage FinCEN reports in minutes with our full-service options. Order a report online or with easy title software integrations and we handle everything else, including filing with FinCEN.

- DEMO VIDEO 2 -

Easiest Buyer & Seller Experience

Give your buyers and sellers the best option for submitting FinCEN report information. Our expert U.S. regulatory support team manages all questions and filing steps with experience from over 150,000 filings.

FinCEN Solutions Comparison
Recommended

FincenRealEstateReport.com

Complete compliance solution

Other Form-Based Solutions

Basic filing tools
Collects filing information
why this matters
Collect required information in minutes with secure links, eliminating confusion from 111-field forms. Customers only see the fields they need, with built-in instructions and support to finish in 5 minutes.
✓
✓
Filed with FinCEN for you
why this matters
Guaranteed filings ensure every report is fully accepted by FinCEN, with confirmations managed for you.
✓
−
Signed certifications & liability coverage
why this matters
Advanced audit recording shifts liability away from you by storing customer attestations under FinCEN's reasonable reliance rules. If penatlites occur, we would cover them with our filing guarentee.
✓
−
Regulatory expert support team for buyers & sellers
why this matters
Expert U.S. support answers customer questions directly, backed by 150,000+ FinCEN filings.
✓
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Customer reminders to complete before closing
why this matters
Automated reminders keep customers on track so information is ready before closing.
✓
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Deadline tracking for closing readiness
why this matters
Deadline tracking covers both closing and FinCEN filings, preventing penalties and delays.
✓
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5 year data storage included
why this matters
Secure record keeping preserves all data and audit trails for the full retention period to protect you.
✓
−
SOC 2 Type 2 secured data
why this matters
SOC 2 Type 2 certification safeguards sensitive information with audited, best-in-class security practices.
✓
−
Exemptions checked
why this matters
Built-in exemption checks protect you by recording answers in the audit trail for every closing.
✓
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No cost absorbed by agents (payment collection or pass-through)
why this matters
Pass compliance costs through to closing in eligible states by embedding cost acceptance in the submission process.
✓
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Getting Ready for FinCEN Before the Deadlines

FinCEN filings start in early 2026. Plan to have your solution in place in January to collect information during February for your March closings. Book a demo to take FinCEN compliance off your to-do list during our early adoption pricing promotion for an extra 20% off all filings (discount stays on your account). 

Reports required for closings in

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Transactions closing on March 1st and after require FinCEN reports. Required information must be collected from buyers and sellers before closing.

Must collect information in

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Have a filing solution in place by early February to collect information ahead of your March closings. You should choose a service by December or January.

Get Ready for FinCEN in 45 Minutes

FinCEN Masterclass Webinar Video

Prepare your team in 45 minutes to confidently handle the FinCEN Real Estate Report through a focused webinar masterclass covering required workflows, best practices, and free implementation resources.

Book a Demo

Schedule a demo to explore full-service guaranteed FinCEN filing.

Plans Available with Full-Filing Service

Pricing & Plans

Pro tip: Ask us about passing report costs through to closings.

FinCEN Real Estate Report - Pricing

Full-Service Filing
50x Reports
Place an order in 1 minute and let our team handle everything and file for you. We'll contact customers, answer questions, gather information, watch deadlines, make sure information is collected before closing, remind buyers & sellers, file, and notify you when we're done or you're ready to close.

WE FILE FOR YOU
Title software integrations available
SoftPro, Qualia, and direct API available with others TPS options coming soon.
Only pay for closed transactions
Filings insured against penalties
No onboarding or seat costs
$150 $ 120 per report credit
Order 50 Credits for $6,000. Credits last for 1 year & only used if you close.
Includes 100 offices, 1000 staff accounts, data storage. Purchase in blocks of 50 reports with discounts.
Purchase filing credits in advance at discounted prices per report each (50 credits). Credits only consumed if your transaction closes fully. Includes 1 year of portal access and credits don't expire for a year. New batches can be purchased when all credits used and new batches expire one year from purchase of that batch. Each credit covers one complete filing with our full-service team handling everything. If a transaction doesn't close, you keep the credit for future use within the year. Ideal for teams wanting discounted rates with prepayment who expect steady transaction volume.

Enroll by December 31st to receive a permanent 20% discount on report credits. $120 per credit instead of $150.

  • 100% filing guarantee with penalty coverage
    Our U.S. team checks all filing information for accuracy and completeness, with full deadline monitoring for both closing and FinCEN requirements. Our 100% filing guarantee ensures your filings are complete, submitted on time, and protected from FinCEN fines with penalty coverage. We guarantee all filings where information can be collected using our best practices from 150K FinCEN filings.
  • Pass-through costs to closing or have customers pay
    Pass through costs to closing with our one-click invoice generator for any open report and customizable terms acceptance or have customers pay directly through fast-checkout where passthrough not allowed.
  • Order in 1 minute. We do the rest.
    Start a report by uploading transaction details through a simple, secure online tool. Integrations with leading software providers and OCR options can automate order creation.
  • Collection complete far before closing
    We track closing dates and FinCEN deadlines for you. Get alerts as data is collected, closing readiness updates, and a portal showing every record. Daily summary emails keep you current, and dedicated agents are available anytime for questions.
  • Filed with FinCEN and records stored for you
    We serve as your filing partner to manage FinCEN submissions. No need for staff training or direct use of the FinCEN system. We also manage your 5-year data storage requirements.
  • Customer reminders & tracking
    Receive alerts as data is collected, closing readiness updates, and access to a portal showing every record. Daily summary emails keep you current, and dedicated agents are available anytime for questions.
  • U.S. FinCEN-ready live support team
    Our U.S.-based support team are experts in FinCEN regulations with experience from over 150K filed reports. We answer customer questions about real estate reports by phone, email, or online support.
  • SOC 2 Type 2 Data Security
    We work with major enterprises and hold the certifications and insurance to manage sensitive data securely. All data is encrypted, backed up, and protected by over 100 additional security measures audited regularly.
  • 15min setup + no installs + free onboarding
    Be ready for FinCEN filings in just 15 minutes. We'll set up your ordering and tracking portal, share your credentials, and provide free training. All in less time than a lunch break.
More Info Book a Demo Fast signup form
Automate your team's filings

Software Only Plan
100x Reports
This plan gives your team the tools to upload files to start reports, invite buyers & sellers to submit, automate reminders, track everything, and quickly file reports. FinCEN reporting time is reduced from 2.5 hours to 5 minutes per report. Unlike the full service filing plans, your team will run the portal and file. 100x closed transactions included with this plan and 1 year of access.

Fast, secure and easy FinCEN filings. Your team files in button clicks with a secure portal.

SOFTWARE 100 REPORT PLAN
Give your team 5 minute reporting with automated imports, invites, tracking & filing.

$50 $ 39 per report credit
100x Reports Minimum Purchase for $3,900
Includes 100 offices, 1000 staff accounts, data storage.
This discounted software plan provides automated filings for a discounted rate per filing bundled as 100 prepaid filings to be used throughout the year. Includes up to 100 offices, 1000 staff accounts, data storage and unlimited buyer/seller invites.

Enroll by December 31st to receive a 20% discount on automated filing software. $35 per credit instead of $50.

  • Complete reports in 5 minutes
    Complete reports in just 10 minutes instead of the 2.5 hours FinCEN estimates using manual methods.

    The platform auto-fills filings from standard contracts, settlement statements, commitments, deeds, and more. Start a transaction and invite buyers and sellers to provide or confirm details. You can request ID copies, verify identities, and collect accuracy certifications to reduce liability. FinCEN-ready PDFs are generated automatically for submission.
  • Pass-through costs to closing
    Pass through costs to closing with our one-click invoice generator for any open report and customizable terms acceptance
  • Real-time dashboard & deadline tracking
    Never miss a filing deadline with automated tracking and reminders.

    The platform includes a deadline monitoring dashboard that tracks key dates across all transactions. Automatic alerts notify you as deadlines approach to help you stay ahead. Slower transaction parties receive reminders to prevent delays. Closing dates are captured automatically from uploaded documents so you can ensure every report is filed on time without manual follow-up.
  • Digital owner sign-off workflow
    Protect against liability with documented approvals.

    The platform captures signed certifications from buyers and sellers, holding them responsible for the accuracy of their information. Each approval is tracked with IP address, timestamp, and signer details to meet FinCEN's reasonable reliance standards. Certifications can include language authorizing compliance costs, and all records are stored securely for audit and liability protection.
  • AI document import & error checking
    Accelerate data entry and reduce errors with automated validation.

    Upload documents to auto-fill many of the 111 fields required for the Real Estate Report. The platform automatically checks for missing or inconsistent information and verifies that all necessary details are collected across every possible entity and trust structure. This helps eliminate filing errors and reduces the need for manual corrections.
  • Customer reminders & tracking
    Receive alerts as data is collected, closing readiness updates, and access to a portal showing every record. Daily summary emails keep you current, and dedicated agents are available anytime for questions.
  • U.S. FinCEN-ready live support team
    Our U.S.-based support team are experts in FinCEN regulations with experience from over 150K filed reports. We answer customer questions about real estate reports by phone, email, or online support.
  • SOC 2 Type 2 Data Security
    We work with major enterprises and hold the certifications and insurance to manage sensitive data securely. All data is encrypted, backed up, and protected by over 100 additional security measures audited regularly.
  • 30-min onboarding + ongoing support
    30-minute onboarding plus full support when you need it

    Get started quickly with a personal training session. Most teams are ready to file in under 30 minutes. Ongoing support is available through priority email and in-platform guidance. Your team can manage transactions from the dashboard and send collection links to parties, who receive clear instructions and support prompts to complete their sections. We are here to assist both your staff and external participants every step of the way.
More Info Book a Demo Fast signup form

Get Ready for FinCEN in 45 Minutes

FinCEN Masterclass Webinar Video

Prepare your team in 45 minutes to confidently handle the FinCEN Real Estate Report through a focused webinar masterclass covering required workflows, best practices, and free implementation resources.

Easy Preparation for Real Estate Reporting

Follow our Easy 5-Step Checklist to Be Ready for Real Estate Reports

FinCEN extended the launch of Real Estate Reporting by only 90 days to 3/1/2026.

 

Follow our 5-step checklist below with free resources to ensure your team is fully prepared for FinCEN filing. Eliminate liability, costs, stress, and time burdens with our easy FinCEN plan below.

 

Train your team on FinCEN filing for free

Reserve your spot in our free webinar and get your team up to speed on FinCEN’s new rules. In just one hour, you’ll learn everything you need to know about the new reporting requirements and how to prepare with confidence.

Know when to start reports with free exemption checkers

Starting RER reports on every deal frustrates customers. Most exemptions don’t require their input, and only about 15% of transactions actually need a FinCEN filing. With the free printable guide and exemption checker, staff can confirm any transaction in under a minute and catch changes before closing.

Get a customer notice form to prepare customers for filing

Let customers know about the filing in advance, what it is, what to expect, and how simple you have made the process. Use our free notice templates in PDF or email form to set expectations early and reduce customer objections before collecting report information. You can also share this page to explain who’s a beneficial owner on reports.

Plan automation or a full filing service to manage reports

Automate filings or hand them off to experts who have managed more than 150,000 FinCEN reports. FinCEN rules often create tricky questions that our support team can handle for you. Offloading information collection, customer support, and filing can cut costs by up to 80% and reduce time by 98%. Book a demo to see how it works.

Don't incur costs for full-service FinCEN reporting

Most settlement providers plan to pass filing costs through to closing in states where allowed for the best customer experience. Where not allowed, our solution can collect payments from buyers directly. Book a demo to see how you can offload filings with no cost to you and choose plans where you only pay if your deal closes.

Preparing for the Real Estate Report

Quick Summary of FinCEN's RRE Residential Real Estate Reporting Rule

Get ready for FinCEN’s new RRE (Residential Real Estate) Reporting requirements starting 3/1/2026 for cash residential closings. 

 

Starting March 2026, settlement agents must report ALL residential real estate transactions where:

• The buyer is an LLC, corporation, trust, or other legal entity (not an individual)

• The purchase is made without a traditional bank loan (such as using cash, crypto, seller financing, private loans, etc.)

• The property is 1-4 family residential real estate anywhere in the U.S.

• No exemption applies. Exemptions are listed here.

Note: There is now price minimum. Even $1 sales must be reported if they do not have an exemption.

You can check transactions for filing requirements and exemptions quickly here. 

 

The RER form can include up to 111 fields as specified by FinCEN (31 CFR §1031.320, April 2024), with typically about 60% of these fields needed for standard transactions. The total number of required fields varies based on the complexity and specific details of each transaction. This report is dynamic and different fields are required depending on transaction details such as party type.

 

If you need to collect this information securely or offload this process to a filing service, you can find pricing here.

 

Some details include, but are not limited to, the following:

 

  1. Buyer (Transferee):

    • If an individual: Full legal name, residential address, identification number (SSN or foreign ID), date of birth, citizenship.

    • If an entity: Entity’s full legal name, address of principal business, EIN or foreign tax ID. Beneficial owners’ details (individuals with substantial control or owning 25% or more of the entity) including full names, dates of birth, addresses, citizenship, and identification numbers (SSN or foreign IDs). Signer details are also required.

    • If a trust: Trust’s full legal name, date trust executed, IRS TIN or foreign tax ID, revocable status, and detailed beneficial owner information (trustees, beneficiaries with significant rights, grantors, or settlors with revocation rights). Trustee details include full name, address, citizenship, and identification numbers.

  2. Seller (Transferor):

    • If an individual: Full legal name, date of birth, residential address post-settlement, and identification number (SSN or foreign ID).

    • If an entity: Full legal name, trade name (if applicable), principal business address, EIN or foreign tax ID.

    • If a trust: Trust’s full legal name, date of trust execution, IRS TIN or foreign jurisdiction tax ID, and detailed trustee information including names, addresses, citizenship, and identification numbers.

  3. Person Providing Payment (if different from the buyer):

    • Name

    • Payment amount

    • Payment method (wire transfer, check, etc.)

    • Bank details (bank name, account numbers)

 

The FincenRealEstateReport.com portal simplifies this process by automatically exporting completed RER forms, similar to how current GTO CTR forms are managed.

 

 

Real Estate Reports (RER) must be filed electronically with FinCEN using the official PDF form starting December 1, 2025. The reporting process involves clearly communicating the filing requirements to all parties, collecting detailed buyer, seller, and payment information, securely storing this data for five years, and filling out the PDF form. Completing these forms typically takes 2 to 6.5 hours, depending on transaction complexity. You can reduce this time to 10 minutes with software or offload it completed with a managed service.

 

The filing deadline is the last day of the month following the month when the closing occurred, or 30 calendar days after closing, whichever is later. In practice, this gives reporting persons approximately 30 to 60 days to file each report.

 

We recommend having transaction parties sign a Transaction Form that has them attest to the accuracy of the information, protects settlement agent liability and authorizes passing compliance costs to settlement statements.

 

You can limit your liability related to FinCEN Real Estate Report filings and recover compliance costs through the following methods:

 

 

1. Use a Certification Form:
Require buyers and sellers to complete and sign a certification form clearly stating they are responsible for providing accurate information. This establishes reasonable reliance criteria, as it documents that your firm relied on information explicitly certified by transaction parties. This form can also authorize passing through FinCEN compliance costs to settlement statements.

Recommended form: Real Estate Report Certification Form (modify template as needed)

 

 

2. Clearly Document Reasonable Reliance:
Under FinCEN guidelines, you can demonstrate reasonable reliance by:

  • Obtaining a written certification from transaction parties verifying the accuracy of provided details.

  • Ensuring the certification explicitly holds the signatories accountable for false or misleading information.

  • Retaining these signed certifications securely for at least five years as evidence of your firm’s diligence.

 

3. Use Software or a Managed Filing Service:
Utilize specialized software or a managed filing service to streamline compliance. These solutions collect information securely, offer quick digital attestations of liability and accuracy, track deadlines for any number of filings, and manage record-keeping requirements.

 

Alternatively, managed services can fully handle filings, offloading the compliance process entirely from your firm and further reducing liability exposure.

 

 

You can quickly determine if transactions require reporting with this tool or check the detailed list of exemptions here. We recommend bookmarking these pages for quick reference later.

 

Real Estate Reports (RER) filings typically require 2+ hours per transaction, according to FinCEN’s April 2024 estimate but the process can be completely offloaded with managed filing services.

 

This time includes gathering details from buyers, sellers, beneficial owners, and payment sources, accurately filling out the PDF form, verifying accuracy, and submitting electronically. Complex cases with multiple parties or payments often exceed 4–6 hours.

 

However, software like significantly cut down filing time to just 5  to 10 minutes with features such as:

 

  • Automated Data Extraction: Upload settlement statements, commitments, deeds or contract documents to auto-fill forms.

  • Digital Party Invitations: Securely invite parties to submit their details directly online, with optional ID uploads, identity checks and accuracy sign-offs.

  • Office Management Dashboards: Easily track report statuses and deadlines for any amount of filings with automated reminders to transaction parties.

  • One-click PDF Export: Quickly generate completed FinCEN PDFs ready for submission.

 

Using specialized compliance software drastically reduces the manual effort and time required for these mandatory filings.

 

No! We are not FinCEN. Your are on FincenRealEstateReport.com. 

 

We are a private sector filing software and service provider for the Real Estate Reporting regulation that works with settlement agents.

 

If you have questions for FinCEN (the government organization) please go to https://www.fincen.gov/contact

 

You can train your settlement team on the new FinCEN Real Estate Reports by attending specialized free webinars.

 

  • Understanding the background of FinCEN’s 111-field report effective 12/1/2025.

  • Clarifying who is responsible for reporting and liability management.

  • Effective communication strategies for informing transaction parties of requirements.

  • Techniques for significantly reducing staff time per filing (from 2.5–6 hours to 15 minutes).

  • Guidance on qualifying transactions and identifying exemptions.

  • Methods for collecting and verifying required information efficiently.

  • Practical preparation steps, including checklists and free resources.

 

These webinars also include live Q&A sessions to address your team’s specific concerns.

 

Free Tools for Title & Closing

Bookmark the links below for access to helpful Real Estate Report tools for your title team. Reporting requirements go live in:

days
hours
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Real Estate Reporting is Live!

Programs for Underwriters to Support Agents

Support your agents with free training, tools and benefits for easy FinCEN filings.

Empower your offices to start reports instantly, collect data securely, get liability sign-off, and meet deadlines with built-in monitoring. Advanced identity verification is available for high-risk transactions. Cut complexity and reduce reporting time by over 90%, all while keeping your entire team aligned in one system.

Explore Underwriter Programs

Software Provider Integrations for FinCEN Filing

Add instant automated FinCEN reports to your title and closing software via API.

Pass information to a secure API to automatically return FinCEN-ready PDFs for instant filing. Our team supports integration with your existing software to allow instant FinCEN report exports, deadline monitoring, error checking, and more. Book a call below to explore enhancing your solutions. 

Explore Integrations

Free Training Masterclass

Free 1Hr Training Masterclass

Ready for FinCEN Reporting

Prepare you team for the December launch of FinCEN’s New Real Estate Report in a  free 1 hour online session! + Get free resources for checking transactions, seller/buyer sign-off, and more.

  • Penalties and Deadlines – Avoiding $278,937 fines and timeline requirements
  • Filing Requirements – 1-minute qualification checker and exemptions
  • Who Must File – Understanding the 7-step reporting cascade
  • Time and Cost Impact – Reducing 3 hours to 7 minutes
  • Eight Critical Steps – Complete automated workflow walkthrough
  • Communication Templates – Free notices and objection handlers
  • Information Collection – Capturing 111 fields without errors
  • Tracking and Deadlines – Automated monitoring prevents closing delays
  • Filing Methods – PDF best practices and secure storage
  • Manual vs Automated – Choose your path to compliance
  • Free Resources – Tools, templates, and cost pass-through forms
  • Your Questions – Live Q&A and custom scenarios

Presenter 

Charles Wismer

CEO @ Advalis – FincenFetch &

FincenRealEstateReport.com

Webinar Live via Zoom

on January 6th  (Tuesday) @ 2pm Eastern 

Free Registration
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