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Starting December 1, 2025 the federal government is cracking down on all cash buyers and LLCs purchasing American homes

william

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“The federal government is cracking down on home cash purchases targeting properties purchased to all cash by LLCs, Corporation, Trust and more. For years this type of purchases were flying under the radar and they were keeping the homeowners names anonymous. And that's all about to change.
Starting with December 1, 2025, FinCEN will require a full real estate report for all the purchases for residential real estate in US that are connected to trust, LLCs or corporations. This will give the federal government the ability to see who actually owns these properties and how they were able to fund it.
Now who needs to report this? Well, whoever closes the deal. So if you're using a real estate attorney, that's the person that has to do it or escrow can also do it or you personally or your real estate agent. This has to be submitted within 30 days after closing. Now this is going to add a little bit more transparency whenever it comes to who purchased these properties and how those funds are coming in.
“The goal is to crack down on money laundering, fraud, and hidden ownership in the housing market. For homebuyers, sellers, and investors, this means more transparency but also more scrutiny.” This could impact real estate deals across California, Texas and nationwide.
The FinCEN rule aims to combat money laundering and fraud by requiring disclosure of beneficial owners in all-cash residential real estate purchases via LLCs, trusts, or corporations. It benefits Americans by increasing market transparency, curbing illicit foreign funds that inflate housing prices, and promoting fair access to affordable homes. (y)
 
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