The 2026 FinCEN Residential Real Estate Rule: What Luxury Buyers Need to Know!!

The 2026 FinCEN Residential Real Estate Rule:

What Luxury Buyers Need to Know

Summary: As of March 1, 2026, the landscape for "all-cash" luxury real estate transactions in the U.S. is changing.

A new FinCEN rule requires increased transparency for purchases made via LLCs and Trusts.

Key Sections

The End of the "GTO" Era: Explain that the old "Geographic Targeting Orders" (which only hit specific cities like Miami or NYC) are being replaced by this permanent, nationwide rule.

Who is the "Beneficial Owner"?: Define it as anyone with 25% or more ownership or "significant control."

Why Privacy Still Matters: Emphasize that while the government gets a report, the public does not. Trust and LLC structures remain vital for asset protection.

Preparation is Key: Advise buyers to have their organizational documents (Operating Agreements, Trust Certifications) ready early.

**For informational purposes and does not constitute legal or tax advice. I recommend consulting with your attorney or CPA regarding your specific ownership structures. **