Featured Resources
Industry News
Latest News on FinCEN Enforcement
You can find the latest article ALTA has written on FinCEN. Most articles are member-only access.
ALTA Meetings
FinCEN Bootcamp Recordings
Prepare for FinCEN’s residential real estate reporting requirements with recordings from ALTA’s 2026 FinCEN Bootcamp, featuring practical guidance on compliance workflows, staff training, reporting requirements, technology options, and direct insights from FinCEN officials.
Court Decision
Flowers Title Company v. Treasury
Following a federal court decision on March 19, 2026, that vacated FinCEN’s Residential Real Estate Reporting Rule, FinCEN confirmed that reporting is not currently required. While the rule is not in effect at this time, future legal or administrative actions could affect reporting obligations.
Education
FinCEN ALTA Resources
Access reporting forms to comply with FinCEN requirements—some resources are available only to ALTA members and policy forms license holders and are included with your current membership or license, while non-members may purchase access to the resources below by logging in or creating an account.
FinCEN RRE FAQs from Dept. of Treasury
These Frequently Asked Questions (FAQs) are explanatory only and do not supplement or modify any obligations imposed by statute or regulation. These FAQs supersede any prior FAQs that have been issued. FinCEN expects to publish further guidance in the future. Questions may be submitted on FinCEN’s Contact Us web page.
The FinCEN Rule in Limbo: Key Questions for the Title Industry
ALTA General Counsel Steve Gottheim answers questions about the status of the litigation, the appeals process and what title professionals should be monitoring in the months ahead.
FinCEN Clarifies Reporting Obligations Following Texas Court Ruling
The Financial Crimes Enforcement Network (FinCEN) released three new frequently asked questions May 18 clarifying the status of its Residential Real Estate Rule following a federal court decision in Texas that vacated the regulation nationwide.
Flowers Title Company v Treasury
After a federal court vacated FinCEN’s Residential Real Estate Reporting Rule on March 19, 2026, FinCEN confirmed that reporting is not currently required. This pause reflects the current regulatory stance but could change based on future legal or administrative actions.
Learn How Proposed Real Estate Anti Money Laundering Rule Impacts You
The U.S. Treasury Department’s Financial Crimes Enforcement Network (FinCEN) issued a proposed rule that requires certain people involved in real estate closings and settlements to report information to the agency about all-cash residential transactions nationwide involving legal entities and trusts.
Prep Your Operation for FinCEN’s Anti-Money Laundering Rule
The U.S. Treasury Department’s Financial Crimes Enforcement Network (FinCEN) final rule requiring reporting of all-cash residential transactions nationwide involving legal entities and trusts goes into effect Dec. 1, 2025. Listen to this webinar recording to learn how this rule will impact title and escrow operations.
Research & Insights
Treasury Issues Proposed Real Estate Anti-Money Laundering Rule
FinCEN intends to issue a Notice of Proposed Rulemaking to address anti-money laundering threats in the U.S. real estate sector in April, the Department of the Treasury indicated on its website.
Deputized to Help Prevent Money Laundering?
FinCEN notice of proposed rulemaking requires certain people involved in real estate closings and settlements to report information to the agency about all-cash residential transactions nationwide involving legal entities and trusts. All-cash transactions accounted for 28% of all transactions in 2023, according to the National Association of Realtors. FinCEN has proposed that the rule would go into effect one year after the final rule is issued.
Training
Learn From our FinCEN Bootcamps
The federal government’s new residential real estate reporting rule is the most significant regulatory change for title professionals since TRID—and it’s going to cost your operation time, resources and stress if you’re not prepared.
Research & Insights
Breaking Down the FinCEN Anti-Money Laundering Rule: When Do you Have to Report a Transaction
The U.S. Treasury Department’s Financial Crimes Enforcement Network (FinCEN) issued a notice of proposed rulemaking that would require certain people involved in real estate closings and settlements to report information to the agency about all-cash residential transactions nationwide involving legal entities and trusts. You can read a summary of the proposed rule's requirements here.
News
Title Companies May Still Have to Follow Anti-money Laundering Rule After FinCEN Appeal
FinCEN has appealed a Texas federal court ruling that vacated its nationwide anti-money laundering rule for residential real estate transactions. While reporting is not currently required while the court order remains in effect, ALTA will continue monitoring the litigation because conflicting federal rulings and pending appeals could determine whether title companies must comply with the rule in the future.
The FinCEN Rule in Limbo: Key Questions for the Title Industry
The legal and regulatory future of FinCEN’s Residential Real Estate Rule remains uncertain following a federal court decision in Texas vacating the rule and the government’s subsequent appeal. While FinCEN recently clarified that title companies are not currently required to file reports while the court order remains in effect, the litigation has raised significant questions for the title industry about timing, compliance obligations and what comes next. Read on as ALTA General Counsel Steve Gottheim answers questions about the status of the litigation, the appeals process and what title professionals should be monitoring in the months ahead.
FinCEN Clarifies Reporting Obligations Following Texas Court Ruling
The Financial Crimes Enforcement Network (FinCEN) released three new frequently asked questions May 18 clarifying the status of its Residential Real Estate Rule following a federal court decision in Texas that vacated the regulation nationwide. The FAQs address status of the rule and clarifies whether reports must be filed while the court's order remains in force and if reporting would be required retroactively if the rule is reinstated.
FinCEN Appeals Ruling Against Residential Real Estate Rule in Texas
The Financial Crimes Enforcement Network (FinCEN) filed a notice of appeal to a ruling by the Eastern District of Texas that vacated the agency’s Residential Real Estate Rule in its entirety. The court found that FinCEN exceeded its statutory authority under the Bank Secrecy Act and ordered the rule be set aside. Meanwhile, ALTA continues to engage with FinCEN and is pushing for more clarity around the rule, urging that any future changes come with adequate notice and a reasonable implementation period.
ALTA Urges FinCEN to Reform Final Rule During Enforcement Freeze
With the Treasury Department’s Financial Crimes Enforcement Network’s (FinCEN) major real estate transaction reporting rule on pause, a leading trade association is taking the opportunity to push for reform. During this pause, the American Land Title Association (ALTA) is urging FinCEN to make some simple changes to the rule’s parameters that would, in ALTA’s opinion, significantly reduce the burden on title agencies while still providing law enforcement with the data that underlies this effort.