FinCEN's Real Estate Report rule is NOW IN EFFECT. Every unfiled transaction is a potential $50,000 violation.Check Your Risk →

The compliance platform for title companies.

FinCEN, OFAC, wire fraud prevention, and 1099-S reporting in one workflow built for title and escrow teams.

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Screening Result
Filing Required

This non-financed LLC purchase requires a FinCEN Real Estate Report filing.

Property
123 Ocean Drive, Boca Raton, FL
Buyer
Oceanview Holdings LLC
Purchase Price
$1,250,000
Financing
Cash / Wire

The FinCEN Problem

A new federal rule is creating massive compliance burden for title companies.

March 1, 2026

FinCEN's anti-money laundering rule for real estate is now in effect. Title companies must file on non-financed transfers to entities.

3+ Hours

Average time to manually complete a single FinCEN filing — collecting beneficial ownership data, validating fields, generating the report.

$50,000+

Potential federal penalty per violation for failure to file. Willful violations can result in criminal prosecution.

88%

Of title companies with under 50 employees have no dedicated compliance department or filing process in place.

How TitleComply Works

From intake to filing in 15 minutes

1

Screen

Enter the property and buyer information. Get an instant FinCEN determination — required, not required, or needs review.

2

Collect

Guided forms collect every required field: beneficial ownership, entity details, seller information, and settlement agent data.

3

Extract

Upload the operating agreement or trust document. AI extracts entity names, members, EINs, and ownership percentages automatically.

4

File

One-click FinCEN Real Estate Report generation. Download the PDF and submit through BSA E-Filing.

Everything You Need to Stay Compliant

Built specifically for FinCEN 31 CFR Part 1031 compliance.

Smart Screening Engine

Instant FinCEN determination. Enter property and buyer details — get an immediate YES/NO/REVIEW result based on 31 CFR Part 1031 criteria.

Guided Data Collection

Step-by-step forms collect every required FinCEN field: beneficial ownership, entity details, seller information, and settlement agent data.

AI Document Extraction

Upload an operating agreement or trust document. Our AI reads the document and auto-fills entity names, members, EINs, and ownership percentages.

One-Click Report Generation

Generate a complete FinCEN Real Estate Report PDF in one click. All six required parts populated, validated, and ready for BSA E-Filing.

Tamper-Proof Audit Trail

Every action logged with SHA-256 hash chain integrity. Prove exactly who did what and when — essential for FinCEN examinations.

Automated Reminders

Never miss a filing deadline. Automatic email reminders for missing data, overdue filings, and approaching deadlines keep your team on track.

OFAC Sanctions Screening

Instantly screen all transaction parties against OFAC lists with timestamped certificates.

Wire Fraud Prevention

Detect suspicious wire changes and require multi-party confirmation before funds are sent.

1099-S Reporting

Generate and export 1099-S filings from your existing transaction data for year-end reporting.

Free OFAC Screening Tool

Screen any name against the US Treasury's SDN sanctions list instantly, no signup required. Used by title officers before every closing to verify buyers, sellers, and beneficial owners are not on the OFAC sanctions list.

15 Minutes

Average time to complete a FinCEN filing

$50K+

Penalty risk eliminated per transaction

99.9%

Uptime guaranteed

I spent 15 years in real estate and tech, and saw firsthand how the FinCEN rule would overwhelm small title shops. TitleComply was built to fix that — enterprise compliance automation at a price any title company can afford.

JA

Jon Alcius

Founder & CEO, Former Planning Manager, Lake Worth Beach

Simple, Transparent Pricing

14-day free trial on every plan. Cancel anytime before day 15 — no charge.

Starter

$199 /month

  • Screening engine
  • OFAC screening
  • Wire fraud prevention
  • Data collection
  • Filing generation
  • Audit trail
Start Free Trial

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Most Popular

Professional

$499 /month

  • Everything in Starter
  • AI document extraction
  • 1099-S reporting
  • Priority support
Start Free Trial

14-day free trial

Enterprise

$999 /month

  • Everything in Professional
  • API access
  • Multi-office
  • White-label
  • Custom integrations
Contact Sales

14-day free trial

Per-File

$29 /filing

  • Screening engine
  • OFAC screening
  • Wire fraud prevention
  • Data collection
  • Filing generation
  • Audit trail
Start Free Trial

14-day free trial

All plans include screening, data collection, filing generation, and audit trail.

How Much Could You Save?

Your Savings

Time saved

25 hours / month

Cost saved

$1,856 / month

Penalty risk eliminated

$450,000 / month

TitleComply cost: Starter ($199/mo)

Net Savings

$1,657 / month

That's a 833% return on investment.

Based on 9 FinCEN-required closings/month.

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FinCEN Compliance Checklist for Title Companies

22 items every title company needs to verify before their next cash-to-entity closing. Stay compliant.

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Frequently Asked Questions

Effective March 1, 2026, FinCEN's 31 CFR Part 1031 requires title companies and settlement agents to file a Real Estate Report when a non-financed residential property transfer involves a legal entity or trust as the buyer. The rule targets money laundering through real estate.

Don't risk non-compliance.

Start your free trial today.

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