FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 1031.320)

Name: FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 1031.320) — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fincen-rre-31cfr-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.

This register: .xlsx .csv

source:
  type: regulation
  id: fincen-rre-31cfr-1031-320
  authority: FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 1031.320)
  description: 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.
  status: vacated-watch
obligations:
  - id: fincen-rre-real-estate-report
    canonical_id: fincen-rre-real-estate-report
    section: 'FinCEN RRE — WATCH (VACATED): Real Estate Report on non-financed residential transfers to entities/trusts'
    description: WATCH (rule VACATED Mar 19, 2026; FinCEN appealed — NOT currently required). The rule would require reporting persons to file a "Real Estate Report" on certain non-financed transfers of residential real property to legal entities and trusts.
    type: proposed
    audit_question: If the RRE rule is reinstated on appeal, could [LENDER] identify reportable non-financed transfers and file the Real Estate Report?
    program_review: Does the program track the vacated RRE rule on appeal and hold a readiness plan to file Real Estate Reports if it is reinstated?
    file_review: 'WATCH — VACATED, no in-force duty. Readiness only: could the closing/settlement workflow identify reportable transfers if reinstated.'
    judgment: false
    feeds: []
    workflow_phase: compliance
    owner_role: bsa_officer
    secondary_owner_role: cco
    cadence: monitor
    consequence: Acting on stale or un-finalized requirements creates legal exposure; failing to track them forfeits lead time.
    tags:
      - fincen
      - rre
      - bsa
      - aml
      - watch
      - vacated
      - real-estate-report
      - monitor
    primary_source:
      tier: 1
      authority: FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (89 FR 70258, Aug 29, 2024) — 31 CFR 1031.320
      source_class: federal-register
      source_url: https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers
      snapshot_id: 8584e0043149a961
      fetched_at: '2026-06-08T00:00:00Z'
      content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
      paragraph_quote: 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.
      drafter_attestation: Verbatim from FinCEN RRE final rule snapshot. Core reporting requirement — currently vacated.
  - id: fincen-rre-scope-non-financed
    canonical_id: fincen-rre-scope-non-financed
    section: 'FinCEN RRE — WATCH (VACATED): scope — non-financed transfers to entities/trusts; transfers to individuals not covered'
    description: WATCH (vacated). The rule covers 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.
    type: proposed
    audit_question: Does [LENDER] understand the RRE scope (non-financed transfers to entities/trusts; individual transfers excluded) for readiness if reinstated?
    program_review: Does the program understand the covered-transfer scope for readiness?
    file_review: 'WATCH — VACATED. Readiness only: scope understanding.'
    judgment: false
    feeds: []
    workflow_phase: compliance
    owner_role: bsa_officer
    secondary_owner_role: cco
    cadence: monitor
    consequence: Acting on stale or un-finalized requirements creates legal exposure; failing to track them forfeits lead time.
    tags:
      - fincen
      - rre
      - bsa
      - aml
      - watch
      - vacated
      - scope
      - monitor
    primary_source:
      tier: 1
      authority: FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (89 FR 70258, Aug 29, 2024) — 31 CFR 1031.320
      source_class: federal-register
      source_url: https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers
      snapshot_id: 8584e0043149a961
      fetched_at: '2026-06-08T00:00:00Z'
      content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
      paragraph_quote: 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.
      drafter_attestation: Verbatim from FinCEN RRE final rule snapshot. Scope of covered transfers — currently vacated.

Verbatim regulatory text (2)

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.

Source: FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (89 FR 70258, Aug 29, 2024) — 31 CFR 1031.320 · source URL · snapshot 8584e0043149a961

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.

Source: FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (89 FR 70258, Aug 29, 2024) — 31 CFR 1031.320 · source URL · snapshot 8584e0043149a961

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Source of record: https://claudeforcompliance.com/regs/fincen-rre-31cfr-1031-320/ · register fincen-rre-31cfr-1031-320 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.