Property without laundering, without friction.

Historically only certain financial institutions were covered, but FinCEN's 2024 final rule on residential real-estate transfers extends BSA reporting to non-financed transfers of US residential property, requiring covered persons (typically the title insurer, settlement agent, escrow agent or closing attorney) to identify the beneficial owners of the transferee entity and report the transaction to FinCEN. Combined with the existing Geographic Targeting Orders, most all-cash residential deals now sit inside the AML perimeter.

GTOs require title insurance companies in specified metro areas to identify the natural-person beneficial owners behind shell companies that purchase residential real estate above a dollar threshold (currently 300,000 dollars in many GTO areas, lower in Baltimore and elsewhere). The program is renewed periodically and remains active as of 2026, even as the broader 2024 final rule rolls out. Legal Talent's KYB module extracts UBO data and produces the GTO-ready report directly.

We start with the legal entity (LLC, trust, corporation), pull formation documents from the relevant secretary of state, map the ownership chain and identify every natural person owning 25 percent or more plus the control person, in line with FinCEN's CDD Rule and the Corporate Transparency Act. Each UBO is then KYC'd individually with ID capture, biometric face match and sanctions screening. The resulting ownership graph and supporting documents are preserved for FinCEN reporting.

Yes. We expose REST endpoints and webhooks that title companies and PropTech platforms can call from their closing software (Qualia, ResWare, RamQuest, Closinglock and similar). The session output includes the verified identity, the UBO map, the sanctions-screening result and a structured payload ready to feed FinCEN's Real Estate Report or your in-house compliance system. SSO via OIDC and SOC 2 Type II controls are standard.

The Bank Secrecy Act requires records to be retained for at least five years from the date of the relevant transaction or account closure. Real-estate-specific reports under the 2024 FinCEN rule follow the same five-year baseline. Legal Talent stores every KYC artifact, screening hit, decision rationale and audit-log entry encrypted at rest with versioned export, so producing a full case file for examiners or law-enforcement subpoenas is a one-click operation.