Residential Real Estate Reporting
FinCEN Required Reporting for Certain Cash Transactions
Starting March 1, 2026, settlement providers must file a FinCEN Real Estate Report to the U.S. Department of the Treasury when a residential property is transferred without a loan and the buyer is an entity or a trust. This rule applies in all states and to many no-cost transfers.
Cambria Title is working with Fincenrealestatereport.com to file the required report. You will receive an invitation email from Fincenrealestatereport.com with a secure link to a short online form. The system protects your information and guides you step by step. The report is required to be completed prior to closing. It takes about five minutes, and completing it promptly helps prevent closing delays.
What You’ll Need to Provide
If you are buying as an entity (like an LLC or corporation):
List the entity and anyone who owns 25 percent or more or has major decision power. If no one owns 25 percent, list at least one person who makes key decisions. If another company owns part of the entity, list the real people behind that company.
If you are buying under a trust:
List the trust and all trustees. Also list any beneficiaries who can demand money or withdraw trust assets, and any grantors who can revoke the trust.
If you are the seller:
We must collect some basic information from you, including your taxpayer number.
For all listed individuals:
You will provide your legal name, date of birth, home address, taxpayer ID, ID documents, and payment account information for buyers.
For Support and More Information
If you have questions before you receive the link, contact Fincenrealestatereport.com at 1(877)602-2237.
If you have questions after receiving the link, you may email support@fincenrealestatereport.com or use the support button in the submission portal.
There is also a secure live chat available to help you when you are completing the report online. We recommend opening the link on a computer if available to make the process easier.