FinCEN Compliance, Made Simple.
Qualifying real estate transactions now require a FinCEN filing. Driggs Title Agency handles everything from determination to filing, so you don't have to.
See what this means for you
What Sets Driggs Title Apart
FinCEN's new reporting rule adds a compliance layer to qualifying transactions. We built the platform that makes it seamless for everyone involved.
No Delays at Closing
FinCEN compliance runs in parallel with your transaction timeline. Our digital workflow starts early and collects information while your closing proceeds as normal. No bottlenecks, no surprises.
Guided, Step-by-Step Forms
Every party follows a clear digital form that explains what's needed and why. Built-in validation catches errors in real time, and progress saves automatically. Most sellers finish in under five minutes.
Your Data Is Protected
All information is encrypted in transit and at rest. Secure, time-limited links mean no accounts or passwords to manage, and no credentials to compromise. Access is role-restricted and every action is audited.
End-to-End Compliance
Driggs Title handles the full lifecycle: determination, secure information collection, professional compliance review, FinCEN-compliant XML generation, and direct submission to BSA E-Filing. Nothing falls through the cracks.
Purpose-Built for FinCEN Compliance
Every number reflects a system built specifically for FinCEN's Residential Real Estate Reporting Rule (31 CFR 1031.320).
8-Step
Determination
Automated questionnaire evaluates every reportability factor including property type, entity structure, financing, and exemptions
111
Data Fields Covered
Every element FinCEN requires in the Real Estate Report, validated in real time before submission
< 30 Days
Filing Turnaround
From determination to FinCEN submission, well within the required deadline. No last-minute scrambles
Direct
BSA E-Filing
We generate FinCEN-compliant XML and submit directly to BSA E-Filing with real-time acknowledgement tracking
How the Process Works
Three steps from determination to filing, designed to meet FinCEN's deadline with time to spare and zero disruption to your closing.
Reportability Is Determined
Our 8-step questionnaire evaluates the buyer’s entity type, financing structure, property classification, and all exemptions under 31 CFR 1031.320. If a filing is required, all parties are notified with clear next steps.
Information Is Collected Securely
Buyers and sellers receive secure, personalized links to guided digital forms. No accounts or passwords required. Entity details, beneficial ownership, and funding sources are captured with real-time validation and automatic saving.
The Report Is Filed with FinCEN
Our compliance team reviews every submission for accuracy, generates FinCEN-compliant XML, and submits directly to the BSA E-Filing system. Each filing is tracked from submission through FinCEN acceptance and BSA ID assignment.
Resources for Every Party
Whether you're an agent, buyer, or seller, we have the information you need to navigate FinCEN compliance with confidence.
For Real Estate Agents
Understand the reporting cascade, which transactions trigger a filing, and how to prepare your clients. Driggs Title handles the compliance so your closings stay on track.
For Buyers
If your entity or trust is purchasing residential property, you may need to provide beneficial ownership information. We guide you through a secure digital form, step by step.
For Sellers
When a transaction is reportable, sellers provide basic identification through a quick, secure form. Most sellers finish in under five minutes.
The Platform Behind the Compliance
Purpose-built for FinCEN's Residential Real Estate Reporting Rule, not retrofitted from a general compliance tool.
End-to-End Digital Workflow
From determination through filing, the entire process is digital. No paper forms, no manual data entry, no scanning or mailing.
Secure by Design
Time-limited, cryptographically unique links. No accounts or passwords. All data encrypted in transit and at rest. Every access logged for audit compliance.
Built-In Electronic Signatures
Certification is captured electronically. No printing, scanning, or mailing required. All signatures are stored and fully auditable for compliance records.
Real-Time Status Tracking
Every filing is tracked from draft through FinCEN acceptance, with status timelines, acknowledgement processing, and BSA tracking ID assignment.
Automated Validation
All 111 report data fields validated against FinCEN’s schema before submission. Address verification, format checking, and completeness rules catch errors early.
Direct FinCEN Integration
Filings submitted directly to FinCEN’s BSA E-Filing system via secure SFTP, not through a third-party intermediary. Acceptance confirmed in real time.
Built for the Rule. Ready for Your Transaction.
FinCEN's Residential Real Estate Reporting Rule applies to qualifying transactions closing on or after March 1, 2026. Driggs Title Agency's compliance platform was purpose-built for this rule, handling determination, collection, review, and filing so every party can move forward with confidence.
Use the links above to learn what the rule means for your role, or sign in from the navigation to access your filing or dashboard.