New FinCEN Rules: What Cash Buyers Need to Know

Big changes are coming to real estate closings. Effective March 1, 2026, FinCEN is implementing new reporting rules.

The 4-Part Test

Your transaction must be reported if it meets ALL of these criteria:

1. Residential Property
2. Non-Financed (Cash)
3. Entity Buyer (LLC, Trust)
4. No Exemptions

Compliance is critical for all investors in the New Mexico market.