March 2026
As of March 1, 2026, the Anti-Money Laundering (AML) Regulations for Residential Real Estate Transfers Rule, known as the RRE Rule, is now in effect. This federal rule was issued by the Financial Crimes Enforcement Network (FinCEN), a bureau of the U.S. Department of the Treasury.
In most transactions, the reporting obligation falls on title and escrow companies. If a client asks about the rule, encourage them to review FinCEN's resources or consult a qualified attorney or escrow professional. If you encounter a non-financed transfer involving a legal entity or trust, that's a signal that reporting requirements may apply to others involved in the closing.
VIsit FinCEN's website to find frequently asked questions, quick reference guides, a plain-language fact sheet, and filing resources.