The federal government just changed the rules for real estate transparency, again. In this episode, Crosby and Zina unpack the long-awaited shift from temporary Geographic Targeting Orders (GTOs) to a permanent nationwide reporting mandate from FinCEN. The new rule requires title companies to collect, verify, and store beneficial ownership information (BOI) for all-cash residential transactions across the U.S. They break down the new timeline, why implementation was delayed, and the five steps every title company must take before the 2026 rollout.

What you'll learn from this episode

• Why title companies, not lenders, bear the full compliance burden
• The new definition of "beneficial owner" and what "substantial control" really means
• 5-step blueprint to prepare your team and avoid compliance penalties
• How to address client privacy concerns and build trust through transparency
• What tools underwriters and software platforms are building to automate filings

Resources mentioned in this episode

• FinCEN
• ALTA
• FinCEN BSA E-Filing System
• Qualia
• ResWare

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