On September 30, 2025, FinCEN announced that it will postpone reporting requirements of the Anti-Money Laundering Regulations for Residential Real Estate Transfers Rule (RRE Rule) until March 1, 2026. FinCEN stated that this is to provide industry with more time to comply while still adequately protecting the U.S. financial system from money laundering, terrorist financing, and other serious illicit finance threats.

On August 29, 2024, FinCEN published the Residential Real Estate Rule, which requires reporting persons to report non-financed transfers of residential real property to legal entities and trusts. The Residential Real Estate Rule was set to become effective December 1, 2025. However, consistent with the administration’s policies focused on reducing any unnecessary regulatory burden on Americans, FinCEN has determined that exemptive relief from the requirements of the Residential Real Estate Rule is appropriate to allow industry sufficient time to institute the policies, procedures and processes necessary to comply with that Residential Real Estate Rule.

Read FinCEN’s press release here.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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