FinCEN RRE Filing Deadlines: When Is Your Report Actually Due?

Under the RRE rule, the filing deadline for each Real Estate Report is the later of two dates: 30 calendar days after the date of closing, or the last day of the calendar month following the month of closing. You always get at least 30 days, but for closings early in the month, you may get significantly more.

For example, a closing on March 5, 2026: 30 days later is April 4, but the last day of the following month (April) is April 30. Since April 30 is later, your deadline is April 30. For a closing on March 28: 30 days later is April 27, but the end of April is April 30. Your deadline is still April 30.

This formula means that almost all transactions closing in the same month share the same deadline — the end of the following month. The exception is closings in the last few days of a month, where the 30-day clock may push the deadline into the month after that.

Here is every deadline for closings in 2026. For each month, the deadline is the same for most closings within that month, with the exception noted for late-month closings where 30 days crosses into the next period:

March 1–31, 2026 → Deadline: April 30, 2026 (closings March 1–31 all land on April 30, since the end of April is later than 30 days for any March closing). April 1–30 → May 31. May 1–31 → June 30. June 1–30 → July 31. July 1–31 → August 31. August 1–31 → September 30.

September 1–30 → October 31. October 1–31 → November 30 (for closings October 1–31; closings after October 31 would push to December). November 1–30 → December 31. December 1–31, 2026 → January 31, 2027 (for most December closings; a December 31 closing has a 30-day deadline of January 30, but end-of-January is January 31, so the deadline is January 31).

The rule specifies calendar days, not business days. Weekends, holidays, and office closures all count toward the 30-day window. If your office is closed for a week between Christmas and New Year's, those days still count. There is no extension for office closures or staffing issues.

This is different from some state filing deadlines that use business days. Do not confuse the two. Calendar days means the clock runs every day, including Saturday, Sunday, and every federal holiday.

The FinCEN FAQ addresses this: if the deadline falls on a weekend or federal holiday, the filing is due on the next business day. So if April 30 falls on a Saturday, your deadline shifts to Monday, May 2.

However, do not rely on this as a planning tool. Build your internal deadlines to hit the calendar date regardless of weekends. If your process depends on the exact last day, you are already too close to the wire. A good practice is to set your internal target for one week before the official deadline.

Set two reminders per transaction: one at 14 days before the deadline (enough time to chase missing information) and one at 3 days before (final push). If you are using our closing-day checklist, it includes a deadline tracking framework you can adapt.

The most common failure mode is not missing a single deadline — it is having five or six transactions converge on the same end-of-month deadline and not having all the data ready. Batch your filings by week, not by deadline date, and you will avoid the crunch.

FinCEN has not yet published specific enforcement guidance for late RRE filings, but the penalties are established under the BSA and apply to all BSA-covered reporting obligations. The agency has historically pursued enforcement actions for patterns of late filing, not isolated incidents — but "we were busy" is not a defense. For the full penalty breakdown, see our penalties guide.

If you discover an error after filing, you can submit a corrected report through BSA E-Filing. The system allows you to reference the original filing's BSA ID and submit updated information. FinCEN has indicated that good-faith corrections filed promptly will be viewed favorably.

Common reasons for corrections: a transposed digit in an SSN or EIN, an incorrect closing date, or updated beneficial ownership information received after the initial filing. The correction process uses the same form and system — you are essentially refiling with the corrected data and a reference to the original.

Do not wait to correct known errors. A pattern of corrected filings is better than a pattern of inaccurate filings left uncorrected. For a step-by-step filing walkthrough including the correction process, see our filing guide.

The first wave of RRE deadlines hits April 30, 2026 — every reportable transaction that closed in March is due by then. If your office does not yet have a tracking system, build one this week. It does not need to be sophisticated. A shared spreadsheet, a calendar with reminders, and a designated person responsible for deadline tracking will cover most firms.

Run your next closing through our free checker to see if it is reportable, then use the deadline formula to calculate your due date. For the complete compliance workflow — from determination through filing — our Filing Kit includes deadline calculators, tracking templates, and filing checklists. Use code FINCEN25 for 25% off.