In Episode 7 Rey and Finn stole it together, had it for 10 minutes before Han and Chewie got it back. After Han's death (spoilers) ownership surely fell to Chewie, Han's life long friend over Rey whom he had known for only a few hours.
So it should be called Millennium Falcon (Jakku), Rey and Finn's Millennium Falcon or changed back to Millennium Falcon (Episode 7).
If the name refers to Episode 8 then Veteran Smuggler Chewbacca should be co-pilot not Finn.
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Finn and Rey were, and they knicked that ship to do a notable chase scene. Also, there's limited content to draw on for the ST, so they didn't have a ton of ships to choose from. Also, it was a Jedi Luke situation early on, where there had to be a Falcon early on, but the most notable appearance, the OT Falcon, would need more prestige, so they threw the more recent appearance in.
As to who ownership went to on Han's death, that's ambiguous. Chewie, Leia, and Kylo are all viable candidates.
Ah but it was only recently re-named Rey's Falcon with the new falcon release, before this it was called the Falcon from Ep. 7, The thing is, why call it Rey's Falcon? Rey could still be the pilot of the ship and it not be hers, and of course the name change now has happened with the Vets in game.
I feel like people think too much into this and this is just CG being CG, they never cared about cannon, they have never cared about snap shots or anything, they have stopped caring about what the character would say (lol having Jolee with OR tag but not Visa). Its named Rey's Falcon because she is one of the pilots just to keep it less confusing, that's all.
Assuming Han legally owned the Falcon, didn't leave a will, and was divorced from Leia then Kylo would be next of kin and the Falcon would be his ship by the end of the movie, but while it may be technically correct to call it Kylo's Falcon, that's weird and confusing and fails to communicate anything, and legal ownership of the Falcon is super sketchy anyways since it was probably stolen more times than it was bought and is probably thoroughly undocumented.
So, Rey's piloting it for the snapshot they take it from? It's hers at the moment, within a reasonable margin of error.
There is approximately a zero percent chance that Disney had anything to do with the change of the ship’s display name. At the very most, Disney would have signed off on the name change (nominally and after minimal review) after it was proposed by CG.
I'd agree for game purposes the ST Falcon is Rey's in that snapshot moment when they stole it to get off Jakuu.
However as the actual movies go - Leia and Kylo were estranged from Han.
The only loyal friend he had that had a stake in the ownership of the Falcon was Chewie - his first mate.
But now Rey seems to own it, or at least that is what is made to be seen watching the new movies - Kylo or Leia surely would have a stake over her, hec even Lando. But Rey?... That's just weird and does not make any sense at all.
I see your point but like you said - Chewie is in his usual seat - Co-pilot, whenever Rey is in the cockpit.
This would allude that Rey is the captain or owner of the Falcon and Chewie flies or does what he is told.