FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 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.
Verbatim regulatory text
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.
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.
Operationalizing FinCEN Anti-Money Laundering Regulations for Residential Real Estate Transfers (31 CFR 1031.320)
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.
Source of record: https://claudeforcompliance.com/regs/fincen-rre-31cfr-1031-320/
· register fincen-rre-31cfr-1031-320 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.