Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-18.
“Miami-Dade County, Broward County, and Palm Beach County, Florida”
Threshold
$300,000
Effective
December 1, 2024
Expires
February 28, 2026
Geography
county
This GTO - which required title insurance companies in Miami-Dade, Broward, and Palm Beach counties to report beneficial ownership of legal entities in all-cash residential purchases of $300,000 or more - was superseded on March 1, 2026 when FinCEN's nationwide residential real estate reporting rule took effect, replacing all geographic targeting orders with a permanent nationwide program.
Formal Geographic Text (from order)
“Miami-Dade County, Broward County, and Palm Beach County, Florida”
Three-county South Florida region. FIPS: 12086 (Miami-Dade), 12011 (Broward), 12099 (Palm Beach). Covers all residential real property within these county boundaries.
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
Renewed with $300,000 threshold.
Superseded by FinCEN nationwide residential real estate reporting rule effective March 1, 2026. GTO program ended.
Renewal Chain
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Superseded by FinCEN's permanent nationwide residential real estate rule (effective March 1, 2026). See https://www.fincen.gov/rre for the current nationwide requirement.
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 Orders - National Real Estate Program (12 Metropolitan Areas)
$300K threshold
Geographic Targeting Order - Southwest & Central Florida Counties (Real Estate) 2024
$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.
