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...

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:

1. Screen transactions — Quickly determine if reporting is required
2. Collect data — User-friendly form for all required FinCEN fields
3. 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:

1. Residential property (1-4 units, or vacant land for residential development)
2. Entity/Trust buyer (LLC, corporation, partnership, or trust)
3. 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

1. Download compliance-guardian.html
2. Open in any web browser
3. No installation required

Integrated with Mission Control

Add navigation button to your Mission Control dashboard:

<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

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