Resources

The rules, in plain English.

Unclaimed property law is fifty-five rulebooks deep. Here are the essentials, and straight answers to the questions we hear most.

Interactive tool

Where are your deadlines?

Choose a state or territory from the list, or select one on the map, to see its filing cycle and annual report deadline. Use the buttons for DC and the territories.

Also

Choose a state or territory, and its filing cycle and deadline appear here.

Prefer a list? Choose a state or territory

These dates reflect each state's standard annual cycle. Rules vary by property type and by holder, and we confirm every date against official state sources before we prepare a filing. Want the full one-page 2026 to 2027 deadline calendar as a PDF? Email us and we will send it the day it is released.

The shape of the year

Most states, about forty of them, expect annual reports by October 31 or November 1, with owner-notification letters going out in late summer. A smaller group files in spring, spread from March through July. California runs a unique two-step: a notice report in the fall, then the actual remittance the following June. And in most states, an uncashed paycheck becomes reportable after just one year, which is the first thing new clients are usually behind on.

Coming in 2027

The next big shift in reporting: NAUPA III.

Every state is moving to NAUPA III, a new XML-based reporting format that will succeed today's NAUPA II files. Originally targeted at fall 2026, it was split into two phases after NAUPA heard from holders that moving to XML while overhauling property codes at the same time was too much at once. Phase 1 lands in spring 2027 and moves reporting to XML with new validation tools, while keeping the traditional NAUPA II property codes with a few essential tweaks. Phase 2 brings the comprehensive property code restructuring and has no announced date. Eventually every holder and every provider has to migrate. We built Reclaim Logix for this from day one.

Is Reclaim Logix ready for that transition?

Yes. In fact, that transition is one of the driving reasons the corporation was formed: to ensure that small to medium companies, public and private, had a trusted partner they could depend on to guide them through the process.

Will there be extra programming costs to onboard now, and then move to the new filing requirements?

Absolutely not. We want to guide our partners to compliance immediately, so standard reporting logic is always part of our pricing structure.

Frequently asked questions

What is unclaimed property? What is escheatment?

When your organization owes money to someone it can't find (an uncashed check, a refund, a dormant balance), state law requires you to try to reach the owner, and then turn the money over to the state, which holds it for them indefinitely. That handover is called escheatment. Every US state has such a law.

We've never filed. Are we in trouble?

Probably fixable, and you have company; a large share of organizations have never filed. Most states offer voluntary disclosure programs that reduce or waive penalties for holders who come forward before the state comes to them. The worst strategy is continuing to wait. Our catch-up projects exist for exactly this.

Does this really apply to government agencies?

Yes. Courts, revenue departments, tolling authorities, and municipalities are all "holders" under state unclaimed property laws: unclaimed bail, uncashed restitution and vendor checks, and dormant toll balances all count.

What does the AI actually do? Can it make a mistake that reaches a state?

The AI does the heavy lifting: reading your files in whatever format they arrive, applying each state's rules, drafting letters and reports. It cannot file anything. Every letter and every report is reviewed and approved by a compliance professional before it moves. The system is built so that skipping that step is impossible.

Who touches our data?

Client data is encrypted, hosted in the United States, access-logged, never sold or shared, and purged from raw uploads on a set retention schedule. Personal identifiers are masked before any AI processing. We'll walk your security team through all of it.

Do you handle the money?

Never. You remit directly to each state; we prepare exact instructions so it's a ten-minute task. Your funds never pass through Reclaim Logix.

What does it cost?

As low as $2,500 a year. Our pricing models are listed on the pricing page, because we believe that every engagement should be transparent and tailored to the needs of our partners. Your satisfaction is what matters to us.