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The SAFER Act of 2026 prevents financial institutions from surrendering securities, digital assets, or investment accounts to states under unclaimed property laws unless specific conditions are met. For accounts owned by deceased individuals, institutions must wait at least 3 years after confirming death and receiving no estate fiduciary interest before surrendering assets. For accounts owned by non-natural persons, institutions must have no contact record for at least 5 years. The bill also requires financial institutions to periodically check death databases for inactive accounts held by retirement-age account holders and preempts conflicting state escheatment laws.
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