Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-18.
“Charlotte County, Collier County, Hillsborough County, Lee County, Manatee County, Pasco County, Pinellas County, and Sarasota County, Florida”
Threshold
$300,000
Effective
December 1, 2024
Expires
February 28, 2026
Geography
county
This GTO covered eight Florida counties along the Gulf Coast and Tampa Bay area - Charlotte, Collier (Naples), Hillsborough (Tampa), Lee (Fort Myers), Manatee, Pasco, Pinellas (St. Petersburg/Clearwater), and Sarasota - added in the October 2023 expansion. The GTO was superseded on March 1, 2026 by FinCEN's nationwide residential real estate reporting rule.
Formal Geographic Text (from order)
“Charlotte County, Collier County, Hillsborough County, Lee County, Manatee County, Pasco County, Pinellas County, and Sarasota County, Florida”
Eight Florida counties added in the October 2023 expansion. Charlotte FIPS: 12015; Collier FIPS: 12021; Hillsborough FIPS: 12057; Lee FIPS: 12071; Manatee FIPS: 12081; Pasco FIPS: 12101; Pinellas FIPS: 12103; Sarasota FIPS: 12115.
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
Eight Gulf Coast/Tampa Bay Florida counties added to GTO program in October 2023 expansion.
Renewed at $300K threshold.
Superseded by FinCEN nationwide residential real estate reporting rule effective March 1, 2026.
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
Added in October 2023 expansion. Covers Tampa Bay metro (Hillsborough, Pinellas, Pasco, Manatee) and Southwest Florida (Lee/Fort Myers, Collier/Naples, Charlotte, Sarasota). Superseded by FinCEN's permanent nationwide rule (March 1, 2026).
Geographic Targeting Order - Miami-Dade County, Florida (Real Estate)
$1.0M threshold
Geographic Targeting Order - Miami-Dade, Broward & Palm Beach Counties, Florida (Real Estate)
$1.0M threshold
Geographic Targeting Order - Miami-Dade, Broward & Palm Beach Counties, Florida (Real Estate) 2024
$300K threshold
Geographic Targeting Orders - National Real Estate Program (12 Metropolitan Areas)
$300K threshold
Soflo Consulting
We offer risk assessments, AML policy creation, and AML program reviews & gap analysis for businesses operating in FinCEN GTO-covered jurisdictions.
