Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-18.
“Twelve metropolitan areas across Florida, New York, California, Texas, Nevada, Hawaii, Washington, and Massachusetts”
Threshold
$300,000
Effective
July 17, 2018
Expires
January 13, 2019
Geography
metro area
FinCEN expanded the real estate GTO program to 12 metropolitan areas nationwide in 2018, standardizing the threshold at $300,000 across all covered jurisdictions. This represented a major expansion from the original 2-city pilot and established the framework for the ongoing national program.
Formal Geographic Text (from order)
“Twelve metropolitan areas across Florida, New York, California, Texas, Nevada, Hawaii, Washington, and Massachusetts”
Multiple county-level boundaries across 12 metro areas. See individual GTO records for specific county FIPS codes.
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 news release
Expanded to 12 metro areas, threshold standardized at $300K.
Superseded by 2019 renewal.
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
This record represents the 2018 national expansion as a single event. Individual metro-area GTOs are tracked separately.
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 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.
