Advocacy

Title Acceptance Pilot

A plan to lower housing costs includes a pilot program waiving the requirement for lender’s title insurance on certain refinances. ALTA called the move a political gesture that offers a false promise of savings while exposing consumers, lenders, and taxpayers to greater financial risk.

Unregulated Alternatives to Title Insurance

ALTA continues to take the lead in engaging with state regulators, the FHFA, Fannie Mae, Freddie Mac and lenders about the risks of waiving title insurance requirements.

FinCEN

Financial Crimes Enforcement Network (FinCEN) requires title companies to collect and report beneficial ownership information on certain real estate transactions.

Non-Title Recorded Agreements for Personal Service

ALTA supports efforts to protect consumers by prohibiting the filing of unfair real estate fee agreements in property records. ALTA advocates for state laws and regulations preventing enforcement of NTRAPS.

Good Funds

The use of various payment rails in real estate transactions is governed by state Good Funds laws. These laws set requirements for acceptable forms of closing funds.

Seller Impersonation Fraud

Sophisticated fraudsters are using the real property owner’s Social Security and driver’s license numbers in the transaction, as well as legitimate notary credentials, which may be applied without the notary’s knowledge.

What Every Leader Should Know About AI, Cybersecurity and Trust

June 24, 2026

ALTA ONE | Oct. 12-15 | Scottsdale, Ariz.
Register by July 18 and save $200!
The next big threat to your business might not walk through the front door. It might come through your network. Scary, right? At ALTA ONE, Omni Session speaker Gen. Paul Nakasone will bring a rare perspective on the forces reshaping business, security and leadership, from AI and cybersecurity to global risk and organizational trust. 

 ALTA Releases New Resources to Help Members Discuss 49 Endorsements and Fraud Protection

June 15, 2026

As awareness of seller impersonation fraud and deed theft continues to grow, ALTA has released two new resources designed to help members educate employees and consumers about the benefits of the ALTA 49 and 49.1 Endorsements. The resources may be branded and customized for use by ALTA members. Read on.

 The FinCEN Rule in Limbo: Key Questions for the Title Industry

May 26, 2026

The legal and regulatory future of FinCEN’s Residential Real Estate Rule remains uncertain following a federal court decision in Texas vacating the rule and the government’s subsequent appeal. While FinCEN recently clarified that title companies are not currently required to file reports while the court order remains in effect, the litigation has raised significant questions for the title industry about timing, compliance obligations and what comes next. Read on as ALTA General Counsel Steve Gottheim answers questions about the status of the litigation, the appeals process and what title professionals should be monitoring in the months ahead.

 FBI Warns Emerging Kali365 Platform Is Supercharging Phishing Attacks

May 26, 2026

In a recent Public Service Announcement, the FBI detailed a Phishing-as-a-Service (PhaaS) platform called Kali365, which allows cybercriminals to bypass multifactor authentication (MFA) protections and gain persistent access to Microsoft 365 accounts. First identified in April 2026, the platform is being distributed primarily through Telegram and is lowering the barrier to entry for less-skilled attackers.

FinCEN Clarifies Reporting Obligations Following Texas Court Ruling

May 19, 2026

The Financial Crimes Enforcement Network (FinCEN) released three new frequently asked questions May 18 clarifying the status of its Residential Real Estate Rule following a federal court decision in Texas that vacated the regulation nationwide. The FAQs address status of the rule and clarifies whether reports must be filed while the court's order remains in force and if reporting would be required retroactively if the rule is reinstated.

 FinCEN Appeals Ruling Against Residential Real Estate Rule in Texas

May 15, 2026

The Financial Crimes Enforcement Network (FinCEN) filed a notice of appeal to a ruling by the Eastern District of Texas that vacated the agency’s Residential Real Estate Rule in its entirety. The court found that FinCEN exceeded its statutory authority under the Bank Secrecy Act and ordered the rule be set aside. Meanwhile, ALTA continues to engage with FinCEN and is pushing for more clarity around the rule, urging that any future changes come with adequate notice and a reasonable implementation period.