The easiest way to meet FinCEN compliance.

Closinglock lets you collect required FinCEN data with a single, Docusign-powered form that cuts down hours of back-and-forth.

SIGNATURES COMPLETED IN 24 HOURS

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REDUCTION IN AVG. CONTRACT TURN TIME

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CENTRALIZED HUB FOR CLOSING COMMUNICATION

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How It Works

Lighten the load of new FinCEN requirements.

Send a user-friendly FinCEN form to clients in just a few clicks.
Certify signatures with Docusign’s tamper-proof seals and completion certificates.
Sync completed forms to client files inside Closinglock, where they remain protected.
Access a full audit trail at any time, including IP addresses, IDs, and timestamps—so you always know who signed, when, and how.

Frequently Asked Questions

When do the new FinCEN anti-money-laundering rules take effect?

The new FinCEN anti-money-laundering (AML) reporting rules take effect on March 1, 2026. Starting that date, title and settlement companies must file reports on certain non-financed residential real estate transactions to help prevent illicit funds from entering the market.

Which real estate transactions must be reported under the new FinCEN rule?

The new FinCEN rule applies to non-financed residential real estate transactions where the buyer or seller is a legal entity—such as an LLC, corporation, partnership, or trust. Industry experts estimate these transactions make up about one in ten closings nationwide.

How does Closinglock make FinCEN compliance easier for title companies?

Closinglock simplifies FinCEN compliance by automating data collection, eSignatures, and recordkeeping. Clients complete a templated FinCEN reporting form through Docusign, and the results automatically sync to your title production software. Completed filings are securely stored for five years with full audit trails, so your team can access them anytime for verification or review.

Learn more about how Closinglock integrates with Docusign to keep your filings accurate and audit-ready.

What information must title and settlement companies collect for FinCEN compliance?

For each covered transaction, title and settlement companies must collect detailed information and verified signatures from buyers, sellers, and beneficial owners. Closinglock automates this process through a secure digital form, enabling clients to complete and sign online while ensuring accuracy and traceability for federal reporting.

Book A Demo to see how Closinglock Simplifies FinCEN Data Collection with digital forms and instant verification.

How does Closinglock keep FinCEN filings secure and verifiable?

Closinglock secures every FinCEN filing with Docusign-backed eSignatures, tamper-evident seals, and completion certificates. Each record includes signer IP addresses, timestamps, and identity data for full transparency. Files are encrypted, stored safely in the company portal, and easily retrievable during audits or regulatory reviews.

Learn more about all Fraud Prevention Tools inside Closinglock and how your clients stay protected.

Resources

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Closinglock: Keeping Your Money and Information Safe in the Home Closing Process

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Closinglock: Protecting Real Estate Agents and Their Clients from Fraud

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How Closinglock Works for Title Companies

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The future of money movement in real estate

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What’s new in ALTA Best Practices 2025—and how to stay compliant

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The future of closing is secure—and connected