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Compliance Guardian
by
jonbarnato
· GitHub ↗
· v1.0.0
· MIT-0
86
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Install in OpenClaw
/install compliance-guardian
Description
Tool for real estate agents to screen transactions, collect required FinCEN data, and track filing deadlines for residential property entity sales under FinC...
README (SKILL.md)
Compliance Guardian — FinCEN Real Estate Reporting
Tool for real estate professionals to determine FinCEN reporting requirements and prepare Real Estate Reports.
Description
The FinCEN Residential Real Estate Reporting Rule (effective March 1, 2026) requires reporting of non-financed residential property transfers to LLCs, trusts, and other entities. Compliance Guardian helps transaction coordinators and agents:
- Screen transactions — Quickly determine if reporting is required
- Collect data — User-friendly form for all required FinCEN fields
- Track deadlines — Never miss a filing deadline
Background
Who Must Report?
The "reporting person" is typically the closing agent (title company, attorney, escrow officer). However, brokers and agents need to understand the requirements to:
- Advise clients properly
- Ensure compliance in their transactions
- Avoid E&O exposure
What's Reportable?
A transaction requires a FinCEN Real Estate Report when ALL three conditions are met:
- Residential property (1-4 units, or vacant land for residential development)
- Entity/Trust buyer (LLC, corporation, partnership, or trust)
- Non-financed (no regulated bank mortgage — includes cash, hard money, seller financing)
Filing Deadline
The later of:
- 30 calendar days after closing, OR
- Last day of the month following the month of closing
Features
1. Transaction Screener
Three-question wizard:
- Property type?
- Buyer type?
- Financing type?
Result: Clear YES/NO with explanation.
2. Form Pre-Filler
Collects all required FinCEN fields:
- Reporting person — Name, title, business, contact
- Property — Address, APN, closing date, consideration
- Seller — Name, address
- Buyer entity — Legal name, EIN, formation state
- Beneficial owners — Name, DOB, address, citizenship, TIN
3. Deadline Tracker
- Input closing date → calculates filing deadline
- Color-coded countdown (green > 14 days, yellow > 7 days, red ≤ 7 days)
- Persistent tracking of all pending filings
Usage
As Standalone Tool
- Download
compliance-guardian.html - Open in any web browser
- No installation required
Integrated with Mission Control
Add navigation button to your Mission Control dashboard:
\x3Cbutton onclick="window.open('/compliance-guardian.html')">🛡️ FinCEN\x3C/button>
Technical Details
- Single HTML file (~20KB)
- No external dependencies
- Mobile-responsive
- Print-friendly
- Data stored in localStorage (browser only)
Files
compliance-guardian/
├── SKILL.md # This file
└── compliance-guardian.html # Main tool
References
- FinCEN BSA E-File Portal
- First American FinCEN Resources
- Rule effective date: March 1, 2026
Credits
Built by KW Sacramento Metro AI Team. First compliance tool for the FinCEN Real Estate Reporting Rule.
License
MIT
Usage Guidance
This tool appears to be a straightforward browser-based FinCEN reporting helper, and it does not request external credentials or installation. However:
- The form collects very sensitive PII (names, DOBs, addresses, TIN/SSNs). Only enter such data if you trust where the file is served from and you understand how it will be stored and who can access it. localStorage is unencrypted and persists on the browser profile.
- Before using or deploying, open the full compliance-guardian.html in a text editor and search for any network activity or obfuscated code: look for fetch(), XMLHttpRequest, navigator.sendBeacon, WebSocket, <script src=>, <img src=>, eval(), atob()/btoa(), long base64 strings, or remote URLs. If any are present, confirm their purpose and destination.
- If you plan to host it with your Mission Control instance, serve it from a trusted, HTTPS origin and confirm the origin does not add third-party scripts that could read localStorage.
- Consider avoiding entry of SSNs/TINs into this tool if you cannot guarantee local-only storage. If you must store highly sensitive fields, use a version enhanced for secure storage (encrypted storage, server-side vaulting) or remove those fields from local persistence.
- Because the provided HTML in the review was truncated, I have medium confidence in this assessment. If you provide the complete compliance-guardian.html (full source), I can re-scan it for hidden network requests, obfuscation, or other red flags and raise the confidence of this verdict.
Capability Tags
Capability Assessment
Purpose & Capability
Name/description match the delivered assets: an instruction-only skill with a single HTML file that implements a screener, form pre-filler, and deadline tracker for FinCEN residential real estate reporting. Nothing requested (no env vars, no binaries, no install) is out of scope for that purpose.
Instruction Scope
SKILL.md instructs the user to download/open the single HTML file and optionally add a Mission Control navigation button; the HTML (what was visible) implements UI and saves data to browser localStorage only. This scope is appropriate for a browser-based helper, but the skill collects highly sensitive fields (names, DOB, addresses, TIN/SSN). The instructions do not describe any external transmission, but the HTML file in the prompt was truncated — the remainder may include network calls or telemetry. Verify the full file for any fetch/XHR, <img>, <script src=>, navigator.sendBeacon, eval/obfuscated code, or base64-encoded payloads before use.
Install Mechanism
No install spec and no binaries requested; runtime is purely a local HTML file opened in a browser. This is minimal and proportionate.
Credentials
The skill declares no required environment variables or external credentials. That aligns with the stated purpose. However, the tool requests collection of personal identifying information (including TIN/SSN) through its UI; while expected for the task, this raises data-sensitivity concerns rather than mismatched credential requests.
Persistence & Privilege
The tool persists entries in browser localStorage (per SKILL.md and visible HTML). This is expected for a client-side tracker, but localStorage is unencrypted and accessible to other scripts served from the same origin. Adding the file to Mission Control or serving it from a shared host could expose stored PII to the host origin. The skill is not marked always:true and does not require elevated agent privileges.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install compliance-guardian - After installation, invoke the skill by name or use
/compliance-guardian - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
Initial publish — FinCEN compliance screening skill for real estate
Metadata
Frequently Asked Questions
What is Compliance Guardian?
Tool for real estate agents to screen transactions, collect required FinCEN data, and track filing deadlines for residential property entity sales under FinC... It is an AI Agent Skill for Claude Code / OpenClaw, with 86 downloads so far.
How do I install Compliance Guardian?
Run "/install compliance-guardian" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Compliance Guardian free?
Yes, Compliance Guardian is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does Compliance Guardian support?
Compliance Guardian is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Compliance Guardian?
It is built and maintained by jonbarnato (@jonbarnato); the current version is v1.0.0.
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