December 16, 2025

IMPORTANT INFORMATION

ADVOCUS AGENTS: All Locations

KEY DATES: January 1, 2026 and March 1, 2026

FinCEN Residential Real Estate Rule

Effective Date: March 1, 2026

New Schedule B Language: January 1, 2026

Our most recent FinCEN notice (September 30, 2025) explained the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) postponement of reporting requirements of the Anti-Money Laundering Regulations for Residential Real Estate Transfers Rule (RRE Rule) until March 1, 2026.

FinCEN took this step to provide the industry with more time to comply—consistent with the Administration’s agenda to reduce compliance burden—while still adequately protecting the U.S. financial system from money laundering, terrorist financing, and other serious illicit finance threats.

SEE OUR FinCEN WEBPAGE FOR INFORMATION AND GUIDANCE

New Schedule B Exception Language for Commitments Issued after January 1, 2026

In preparation for the March deadline, Advocus will require the addition of specific Schedule B Exceptions to all Commitments starting January 1, 2026. Find the new Exception language on page 5 of our Overview: FinCEN Final Residential Real Estate Rule.

The Overview is packed with other useful information, as is the rest of our our FinCEN webpage:

• Overview: FinCEN Final Residential Real Estate Rule.
• FinCEN RRE Rule Fact Sheet, ALTA's Buyer and Seller Collection Forms. 
• Access to free webinars (when available) for anyone who may need to report. 
• Archive of FinCEN notices to Advocus agents.
• Ongoing information as it becomes available. 

Questions? Contact us or reply to this email. We welcome your questions and value your feedback. As always, we appreciate your business and ongoing support.