Order Summary
This GTO covering Cook County (Chicago) was superseded on March 1, 2026 by FinCEN's nationwide residential real estate reporting rule, which replaced all geographic targeting orders with a permanent nationwide program.
Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-14.
Superseded
real estate
title insuranceRenewal #1
Geographic Targeting Order - Cook County, Illinois (Real Estate) 2024
“Cook County, Illinois”
Threshold
$300,000
Effective
December 1, 2024
Expires
February 28, 2026
Geography
county
Geographic Coverage
GTO Coverage Area
Leaflet © OpenStreetMap contributors © CARTO
Cook County
Formal Geographic Text (from order)
“Cook County, Illinois”
Cook County boundary (includes Chicago). FIPS: 17031.
Reporting Requirements
Who Must Report
Title insurance companies
What Must Be Reported
Beneficial ownership of legal entities making all-cash residential real estate purchases at or above $300,000; file a FinCEN Currency Transaction Report via BSA E-Filing System within 30 days of closing
Threshold
$300,000
All-cash transactions at or above
Source Agency
FinCEN
FinCEN order PDF | FinCEN news release
Change Log
RenewedNovember 15, 2024
Renewed at $300K threshold.
ExpiredMarch 1, 2026
Superseded by FinCEN nationwide residential real estate reporting rule effective March 1, 2026.
Frequently Asked Questions
Common questions about this specific GTO, with answers grounded in the official order text.
These answers are for informational purposes only and are grounded in the official FinCEN order text. They do not constitute legal advice.
Analyst Notes
Superseded by FinCEN's permanent nationwide rule (March 1, 2026). See https://www.fincen.gov/rre.
GTO Details & SourcesSuperseded
Soflo Consulting
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