Compliance Guardian — FinCEN Real Estate Reporting#

Tool for real estate professionals to determine FinCEN reporting requirements and prepare Real Estate Reports.

Description#

The FinCEN Residential Real Estate Reporting Rule (effective March 1, 2026) requires reporting of non-financed residential property transfers to LLCs, trusts, and other entities. Compliance Guardian helps transaction coordinators and agents:

1. Screen transactions — Quickly determine if reporting is required
2. Collect data — User-friendly form for all required FinCEN fields
3. Track deadlines — Never miss a filing deadline

Background#

Who Must Report?#

The "reporting person" is typically the closing agent (title company, attorney, escrow officer). However, brokers and agents need to understand the requirements to:

• Advise clients properly
• Ensure compliance in their transactions
• Avoid E&O exposure

What's Reportable?#

A transaction requires a FinCEN Real Estate Report when ALL three conditions are met:

1. Residential property (1-4 units, or vacant land for residential development)
2. Entity/Trust buyer (LLC, corporation, partnership, or trust)
3. Non-financed (no regulated bank mortgage — includes cash, hard money, seller financing)

Filing Deadline#

The later of:

• 30 calendar days after closing, OR
• Last day of the month following the month of closing

Features#

1. Transaction Screener#

Three-question wizard:

• Property type?
• Buyer type?
• Financing type?

Result: Clear YES/NO with explanation.

2. Form Pre-Filler#

Collects all required FinCEN fields:

• Reporting person — Name, title, business, contact
• Property — Address, APN, closing date, consideration
• Seller — Name, address
• Buyer entity — Legal name, EIN, formation state
• Beneficial owners — Name, DOB, address, citizenship, TIN

3. Deadline Tracker#

• Input closing date → calculates filing deadline
• Color-coded countdown (green > 14 days, yellow > 7 days, red ≤ 7 days)
• Persistent tracking of all pending filings

Usage#

As Standalone Tool#

1. Download compliance-guardian.html
2. Open in any web browser
3. No installation required

Integrated with Mission Control#

Add navigation button to your Mission Control dashboard:

html

<button onclick="window.open('/compliance-guardian.html')">🛡️ FinCEN</button>

Technical Details#

• Single HTML file (~20KB)
• No external dependencies
• Mobile-responsive
• Print-friendly
• Data stored in localStorage (browser only)

Files#

text

compliance-guardian/
├── SKILL.md                  # This file
└── compliance-guardian.html  # Main tool

References#

• FinCEN BSA E-File Portal
• First American FinCEN Resources
• Rule effective date: March 1, 2026

Credits#

Built by KW Sacramento Metro AI Team. First compliance tool for the FinCEN Real Estate Reporting Rule.

License#

MIT