Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-18.
“Bristol County, Essex County, Middlesex County, Norfolk County, and Plymouth County, Massachusetts”
Threshold
$300,000
Effective
December 1, 2024
Expires
February 28, 2026
Geography
county
This GTO covered five Massachusetts counties surrounding Boston - Bristol, Essex, Middlesex, Norfolk, and Plymouth - added in the October 2023 expansion. Together with Suffolk County (Boston), these six counties covered the entire Greater Boston metro area. The GTO was superseded on March 1, 2026 by FinCEN's nationwide residential real estate reporting rule.
Formal Geographic Text (from order)
“Bristol County, Essex County, Middlesex County, Norfolk County, and Plymouth County, Massachusetts”
Five Massachusetts counties surrounding Suffolk County (Boston). Bristol FIPS: 25005; Essex FIPS: 25009; Middlesex FIPS: 25017; Norfolk FIPS: 25021; Plymouth FIPS: 25023. Added in October 2023 expansion.
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
Five Greater Boston metro counties added 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Superseded by FinCEN nationwide residential real estate reporting rule effective March 1, 2026.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 Greater Boston suburbs. Suffolk County (Boston) tracked separately as gto-re-boston-2024-01. Superseded by FinCEN's permanent nationwide rule (March 1, 2026).
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