Compliance Guardian

Tool for real estate agents to screen transactions, collect required FinCEN data, and track filing deadlines for residential property entity sales under FinC...

jonbarnato@jonbarnato

Install

openclaw skills install @jonbarnato/compliance-guardian

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:

html

<button onclick="window.open('/compliance-guardian.html')">🛡️ FinCEN</button>

Technical Details

Single HTML file (~20KB)
No external dependencies
Mobile-responsive
Print-friendly
Data stored in localStorage (browser only)

Files

text

compliance-guardian/
├── SKILL.md                  # This file
└── compliance-guardian.html  # Main tool

References

FinCEN BSA E-File Portal
First American FinCEN Resources
Rule effective date: March 1, 2026

Credits

Built by KW Sacramento Metro AI Team. First compliance tool for the FinCEN Real Estate Reporting Rule.

License

MIT