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An easier way to meet FinCEN requirements

Collect required data with a
single, Docusign-powered form.

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FinCEN requirements bring a heavier lift to real estate closings.

UP TO
850k
reports
annually may be required under the new FinCEN rule.
Federal Registrar
UP TO
$1,394
in fines
per violation for errors or missed filings.
31 U.S.C. § 5321
UP TO
5 years of data storage
is mandated for every FinCEN report submitted.
FinCEN

Collect and secure every filing

Send the easy-to-use FinCEN form to clients in just a few clicks, and get it back complete with DocuSign’s certified e-signatures, tamper-proof seals, and completion certificates.

Make recordkeeping effortless

Five years of recordkeeping, handled for you. Completed forms sync automatically to your TPS and are securely stored, ready whenever you need them.

See every detail, every time

Every FinCEN form includes a full audit trail with IP addresses, IDs, and timestamps—so you always know who signed, when, and how.

FinCEN compliance, explained

How does Closinglock make FinCEN compliance easier?

Closinglock automates FinCEN data collection by templating an easy-to-use form, enabling clients to complete and e-sign it through Docusign, and automatically syncing the completed forms to your title production software. Closinglock also securely stores records for five years and provides a full audit trail—giving title pros confidence that filings are accurate, complete, and ready for regulatory review.

When a client completes a FinCEN form in Closinglock, the form is automatically synced to your title production software and securely stored for five years to meet federal retention requirements. Teams can access or download the records at any time to consult when completing their official FinCEN e-filings.
The new FinCEN anti-money-laundering reporting rules take effect on March 1, 2026. From that date forward, title and settlement companies must file reports on certain non-financed residential real estate transactions.
Under the new rule, title and settlement companies must report any non-financed residential transaction where the buyer or seller is a legal entity such as an LLC, corporation, partnership, or trust. Industry experts estimate these transactions will account for roughly one in ten closings nationwide.
For each eligible transaction, title and settlement companies must collect detailed information and signatures from buyers, sellers, and beneficial owners. Closinglock simplifies this process by delivering the easy-to-use form digitally, enabling clients to complete and sign it securely online.
Without automation, FinCEN reporting can take 2–3 hours per file, sometimes longer for complex transactions. With Closinglock, title pros can share the form in a few clicks, collect certified Docusign signatures, and have records synced and stored automatically.
Filings completed in Closinglock are protected by Docusign-backed e-signatures, tamper-evident seals, and completion certificates. Closinglock also provides a complete audit trail with signer IP addresses, IDs, and timestamps to verify authenticity.

The future of closing is here—and it's secure.

Closinglock helps title companies, law firms, and underwriters protect what matters most—their clients, their transactions, and their reputation.

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