Compliance Guardian — FinCEN Real Estate Reporting
Tool for real estate professionals to determine FinCEN reporting requirements and prepare Real Estate Reports.
Description
The FinCEN Residential Real Estate Reporting Rule (effective March 1, 2026) requires reporting of non-financed residential property transfers to LLCs, trusts, and other entities. Compliance Guardian helps transaction coordinators and agents:
- Screen transactions — Quickly determine if reporting is required
- Collect data — User-friendly form for all required FinCEN fields
- Track deadlines — Never miss a filing deadline
Background
Who Must Report?
The "reporting person" is typically the closing agent (title company, attorney, escrow officer). However, brokers and agents need to understand the requirements to:
- Advise clients properly
- Ensure compliance in their transactions
- Avoid E&O exposure
What's Reportable?
A transaction requires a FinCEN Real Estate Report when ALL three conditions are met:
- Residential property (1-4 units, or vacant land for residential development)
- Entity/Trust buyer (LLC, corporation, partnership, or trust)
- Non-financed (no regulated bank mortgage — includes cash, hard money, seller financing)
Filing Deadline
The later of:
- 30 calendar days after closing, OR
- Last day of the month following the month of closing
Features
1. Transaction Screener
Three-question wizard:
- Property type?
- Buyer type?
- Financing type?
Result: Clear YES/NO with explanation.
2. Form Pre-Filler
Collects all required FinCEN fields:
- Reporting person — Name, title, business, contact
- Property — Address, APN, closing date, consideration
- Seller — Name, address
- Buyer entity — Legal name, EIN, formation state
- Beneficial owners — Name, DOB, address, citizenship, TIN
3. Deadline Tracker
- Input closing date → calculates filing deadline
- Color-coded countdown (green > 14 days, yellow > 7 days, red ≤ 7 days)
- Persistent tracking of all pending filings
Usage
As Standalone Tool
- Download
compliance-guardian.html
- Open in any web browser
- No installation required
Integrated with Mission Control
Add navigation button to your Mission Control dashboard:
<button FinCEN</button>
Technical Details
- Single HTML file (~20KB)
- No external dependencies
- Mobile-responsive
- Print-friendly
- Data stored in localStorage (browser only)
Files
compliance-guardian/
├── SKILL.md # This file
└── compliance-guardian.html # Main tool
References
Credits
Built by KW Sacramento Metro AI Team.
First compliance tool for the FinCEN Real Estate Reporting Rule.
License
MIT
1---2name: compliance-guardian3description: Compliance Guardian — FinCEN Real Estate Reporting4---5# Compliance Guardian — FinCEN Real Estate Reporting67Tool for real estate professionals to determine FinCEN reporting requirements and prepare Real Estate Reports.89## Description1011The FinCEN Residential Real Estate Reporting Rule (effective March 1, 2026) requires reporting of non-financed residential property transfers to LLCs, trusts, and other entities. Compliance Guardian helps transaction coordinators and agents:12131. **Screen transactions** — Quickly determine if reporting is required142. **Collect data** — User-friendly form for all required FinCEN fields153. **Track deadlines** — Never miss a filing deadline1617## Background1819### Who Must Report?2021The "reporting person" is typically the closing agent (title company, attorney, escrow officer). However, brokers and agents need to understand the requirements to:22- Advise clients properly23- Ensure compliance in their transactions24- Avoid E&O exposure2526### What's Reportable?2728A transaction requires a FinCEN Real Estate Report when ALL three conditions are met:291. **Residential property** (1-4 units, or vacant land for residential development)302. **Entity/Trust buyer** (LLC, corporation, partnership, or trust)313. **Non-financed** (no regulated bank mortgage — includes cash, hard money, seller financing)3233### Filing Deadline3435The later of:36- 30 calendar days after closing, OR37- Last day of the month following the month of closing3839## Features4041### 1. Transaction Screener4243Three-question wizard:44- Property type?45- Buyer type?46- Financing type?4748Result: Clear YES/NO with explanation.4950### 2. Form Pre-Filler5152Collects all required FinCEN fields:53- **Reporting person** — Name, title, business, contact54- **Property** — Address, APN, closing date, consideration55- **Seller** — Name, address56- **Buyer entity** — Legal name, EIN, formation state57- **Beneficial owners** — Name, DOB, address, citizenship, TIN5859### 3. Deadline Tracker6061- Input closing date → calculates filing deadline62- Color-coded countdown (green > 14 days, yellow > 7 days, red ≤ 7 days)63- Persistent tracking of all pending filings6465## Usage6667### As Standalone Tool68691. Download `compliance-guardian.html`702. Open in any web browser713. No installation required7273### Integrated with Mission Control7475Add navigation button to your Mission Control dashboard:76```html77<button onclick="window.open('/compliance-guardian.html')">🛡️ FinCEN</button>78```7980## Technical Details8182- Single HTML file (~20KB)83- No external dependencies84- Mobile-responsive85- Print-friendly86- Data stored in localStorage (browser only)8788## Files8990```91compliance-guardian/92├── SKILL.md # This file93└── compliance-guardian.html # Main tool94```9596## References9798- [FinCEN BSA E-File Portal](https://bsaefiling.fincen.treas.gov/)99- [First American FinCEN Resources](https://www.firstam.com/fincen/)100- Rule effective date: March 1, 2026101102## Credits103104Built by KW Sacramento Metro AI Team.105First compliance tool for the FinCEN Real Estate Reporting Rule.106107## License108109MIT
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