For a typical financed purchase, the FinCEN reporting rules are unlikely to add meaningful time to your escrow. From what we understand, the FinCEN reporting rules for residential real estate aim primarily at all-cash transactions, as part of a broader effort to curb money laundering through property. The reporting obligation generally falls on the settlement or title side rather than on the buyer directly, and it targets non-financed deals rather than ordinary mortgage purchases. Where the reporting is more likely to come into play: buying with cash, or buying through a legal entity like an LLC or trust. In those cases your closing agent can tell you what they handle on your behalf and whether the filing affects your dates. The specifics keep evolving and can vary by transaction and by who is involved, so ask your title or escrow company how, if at all, the rules apply to your particular purchase. If you are financing a primary residence in the normal way, confirm the details with your settlement provider and then stop worrying about it. They are the party responsible for any filing.