Pouaka Putunga Haumaru Ohotata: Pouaka Drilled, Escheatment to State Unclaimed Property, and Death Access¶

I te kitenga kua katia e tetahi peeke to peka o to rohe me te keri kaha ki te whakatuwhera i te pouaka putea haumaru o to whanau, me te ako kua tukuna nga taonga taonga tuku iho, nga moni koura, me nga pukapuka hoko whare ki tetahi wahanga whenua kare i keremehia e anga ana ki te hokohoko hokohoko a te iwi, ka kati ranei i te pouaka kua hiritia a te matua, hoa rangatira, hoa rangatira ranei i te wa e hiahia ana koe ki te hoko i te pouaka kua hiritia e koe. ohotata ture me te putea nui. Puta noa i te United States, Canada, United Kingdom, European Union, me Ahitereiria, e hia mano nga peka peeke kua whakakotahi, kua tutakina tuturu ranei i roto i nga tau tekau kua hipa, he maha nga panui katinga pouaka ki nga wahitau tawhito kei runga i nga konae mai i te rua tekau tau ki muri. Kaore i rite ki nga kaute tirotiro me nga putea penapena, Kare rawa e inihua nga ihirangi pouaka penapena e te Federal Deposit Insurance Corporation (FDIC), te National Credit Union Administration (NCUA), te peeke ranei. Ko te mea kino rawa atu, i te mea ka tukuna atu nga moni karekau i keremehia ki te putea a te kawanatanga e tatari tonu ana kia kii koe i te uara o te taara, ko nga rawa tinana i puta mai i te pouaka putunga haumaru kua keri ka hokona tonutia i te peeke a te iwi e nga kaiwhakahaere o nga rawa kare i keremehia i roto i te 1 ki te 3 tau i muri mai i te whiwhinga, ka waiho ma te rangatira anake nga hua o te peeke, te utu o te whanau. Ko te tiaki i o rawa me aukati i nga raarangi hokohoko whenua karekau i keremehia, te tirotiro i nga raarangi kua whakamanahia e te peeke me nga raarangi pukapuka-a-ture mo te keri taima, he mangere ranei, me te tono Waehere Whakataunga Whakataurite Wāhanga 3-317 (mehemea ranei nga Ture Rapu-Kairangi) ki te whakatuwhera i tetahi pouaka kua mate me te kore e tatari mo te pouaka whakamatautau okawa. Mena ka piki ake te tautohetohe i te peka peeke ki te whakatuma, ki te raru hauora ranei, waea atu ki to rohe tau ohorere tonu; titiro hoki Kati te whakamatautau, te whakatio whenua, me te mana ohotata o te kaikokoti, Rahunga peeke, kaute tio, me te whakaora FDIC, a Ina tono utu nga kaikohi nama mo nga pire a tetahi whanaunga kua mate.

Mahia tenei inaianei¶

1. Tiakihia to haumaru whaiaro me te noho marino ki te peka peeke. Ki te piki ake te tautohetohe me te haumarutanga o te peka ki te whakatumatuma, hoki whakamuri kia 2 mita (6.5 putu), wehe atu i te whare, waea atu ki to rohe. tau ohorere (911 i te US me Canada, 112 i te EU, 999 i te UK, 000 i Ahitereiria).
2. Whakaritea tonu mehemea kei roto tonu nga pouaka keri i roto i te Whare Taonga Matua o te Peeke, kua whakawhitia ranei (kua tukuna) ki te Kaiwhakahaere Taonga Karekau i keremehia e te Kawanatanga. I te wa e werohia ana e te peeke tetahi pouaka mo te kore utu o te riihi, mo te noho mokemoke, mo te katinga tonu o te peka, me penapena e te peeke te hiri, kua tohua, kua tohua, kua tohua, kua whakaemihia nga putea mo te **Vault tau ** i mua i te pupuri **V. ka huri ki te kawanatanga. Waea atu ki te Pouaka Putunga Haumaru Centralized Operations / Escheatment Unit ka tono i te Drill Log, Tiwhikete Notari Inventory Rua-Tauturu, me te Tau Aroturuki Peke.
3. Mena kua tukuna kee nga korero ki te Tari Taonga Karekau i keremehia, tuuhia he "Emergency Hold on Liquidation / Auction" i tenei ra. I raro i te Revised Uniform Unclaimed Property Act (RUUPA) me nga ture a te kawanatanga, ka whakamanahia nga kaiwhakahaere o te kawanatanga ki te hoko i nga ihirangi pouaka putea haumaru i te hokohoko a te iwi i roto i te 1 ki te 3 tau. Rapu [Your State] Unclaimed Property ranei MissingMoney.com waea atu tonu ki te Kaitiaki Taonga Tangible a te tari kawanatanga, ka tuku i tetahi ** Panui mo te Kereme Hohe me te Tono ki te Whakatio Whakatiotanga kia toia ai nga taonga tuku iho o to whanau me te piriona mai i te roopu hokohoko e whai ake nei.
4. Mena kua mate noa te rangatira o te pouaka ka hiahia koe ki te Wira, Whakaaetanga Whakatakotoranga Tanu, Kaupapa Inihua Ora ranei kei roto, tonohia te ture "Supervised Will-Search / Burial Document" o to kawanatanga. Ko nga apiha peeke anake hei tirotiro me te tango: (a) te Last Will and Testament / Living Trust, (b) he Tuhinga mo te Tanuhunga, Nga Tohunga Tuahi Tangata ranei, me © Nga kaupapa here Inihua Ora (ka tukuna ki te tangata nana i whakaingoatia).
5. Tonoa i te Ataata Keri Tiaki-Tauarua me te Rangitaki Irirangi kua tohua mena kei te ngaro nga taonga mai i te pouaka keri. Ko nga ture peeke a te kawanatanga me nga ture whakahaere-rua o roto me tono e rua nga kaimahi peeke (he apiha peeke ranei me tetahi Notary Public i tonohia) kia noho ki raro i nga kaamera haumarutanga o runga (3 meters / 10 feet radius coverage) i te wa e whakatuwhera ana i te pouaka, tuhia nga mea katoa ki runga i te Tiwhikete Inventory, me te whakamahana i nga ihirangi ki roto i te putea kua rawekehia. Tukuna he Whakapumautanga Whakawa me te Panui Tiakitanga i mua tonu i te 30-ki-90-ra o te riipene ataata tirotiro a te peeke ka tuhirua i te riipene raka.
6. Whakahokia te kerēme "Personal Articles Floater" a te rangatira o te whare, ki te kairihi ranei, mena i tahaehia te pouaka, i waipuketia, i tahuna ranei e te ahi. Na te mea ko te FDIC (12 U.S.C. Wāhanga 1813(l)) ka inihua anake i nga putea kaute me te **ka tino whakakorehia e koe te pouaka putea **, ka whiwhi koe i te putea putea haumaru **** ka taka, ka waipuke, ka wera ranei. Tirohia to ** Kaupapa Inihua mo nga Kaipupuri Whare, Kai-Rihi ranei i te wa tonu (ko nga kaupapa here HO-3 e whakarato ana i te kapi i waho-whare ki te 10 paiheneti o te Coverage C, i raro i nga tepe iti o te $200 mo te moni/purona me te $1,500 ki te $2,500 mo nga whakapaipai kaore i whakaritea, mena ka hokona e koe he Kaipuu Rawa Whaiaro).

Rakau whakatau: Whakatau raruraru pouaka putea haumaru¶

flowchart TD
    A["Pouaka Taonga Haumaru ohorere kua kitea"] --> B{"He aha te ahua o te ohorere?"}
    B -->|"1. Kua mate te rangatira takitahi me te pouaka kua hiri"| C["Tonoa te UPC Wāhanga 3-317 / Ture Rapu-Kawanatanga: Whakaritea te Whakatuwheratanga a te Apiha Takirua ki te Tango i te Wira, Tanu, me te Kaupapa Inihua Ora"]
    B -->|"2. I Katia Peka, Pouaka ranei i keri mo te kore utu / moe"| D{"Kei te pupuri tonu te Peeke i te putea hiri i roto i tana Pokapu Tiaki Tiaki, i tukuna ranei ki te Kawanatanga?"}
    B -->|"3. Kei te ngaro nga taonga i muri i te keri peeke, te neke ranei i te Vault"| E["Tukuna he Panui Tiaki Ataata Inamata (Ka Tuhirua Vault CCTV i roto i te 30-90 Ra) + Tonoa Nga Rarangi Notari Tiaki-Taarua me nga Tau Hiri"]
    B -->|"4. Waipuke, Ahi, Awhiowhio, Vault Burglary I Tukino Ihirangi"| F["Kare a FDIC e hipoki i nga Pouaka: Kereeme konae i raro i nga Kaipupuri Kaainga/Kai Reti Whakatere + Te Peeke Haemae mena i rahua a Vault i te Ture UL Class 350 / Paerewa Hiiri-Wai."]
    D -->|"Kei te Bank Central Vault tonu"| G["Utu i te Reti Pouaka kua hipa me te utu keri (mehemea ka tukuna te utu tono ki te peeke te panui katinga ki te hee te wahi noho) me te whakarite i te Karere Inihua / Tiki Tangata"]
    D -->|"Kua Whakakorehia ki te Whenua Karekau i keremetia"| H{"Kua hokona keetia e te Kai-tiaki moni a te Kawanatanga nga taonga tangihanga?"}
    H -->|"Kao: Kei roto tonu nga taonga i te State Vault"| I["Tukuna he Kerēme ohorere me te Tuhituhi Whakatio i runga i te Moni Moni; Tukuna he ID, he tohu mo te mana o te Pouaka, me nga tuhinga tuku iho"]
    H -->|"Āe: Kua hokona kētia i te hokohoko whenua"| J["Kereeme Maakete Kupenga Ka puta mai i te Kawanatanga + Kaute Kaute Mehemea i takahia e te Peeke nga Ture Panui Whakamana Meera i mua i te keri (Sue Bank mo te uara o te maakete ataahua)"]

Tauari 1: I mate te rangatira ka hiritia e te peeke te pouaka (Me pehea te tiki i te Wira, Tanu Tanu, me nga mea kei roto)¶

Ka mate tetahi kaipupuri pouaka haumaru, he maha nga wa ka mahia e nga whanau tetahi o nga hapa utu nui e rua: ko tetahi mema o te whanau e ora ana me tana taviri e ngana ana ki te kuhu ki roto i te whare taonga ma te whakamahi i te Mana o te Roia kua pau (he kore he ture na te mea ka mutu aunoa nga Mana Roia i te meneti tika o te matenga o te tumuaki), ka korero ranei te whanau ki te kaikawe putea o roto, ka whakahoki te kaihoko ki te hoko i te pouaka, katahi ka mate te kaihoko. Ka tukuna e te Kooti Whakataunga Letters Testamentary or Letters of Administration. Ka waihangahia he Catch-22 ture tawhito: Kaore e taea e koe te tiki Reta Kawenata mai i te Kooti Whakawa me te kore e tuku i te Whakamutunga Whakamutunga me te Kawenata taketake o te tangata kua mate, a kaore e taea e koe te tiki i te Wira tuatahi na te mea kua raka ki roto i te pouaka putea kua hiri.

1. Me pehea nga Kaipupuri Riihi tahi me nga Kai-whakahaere mo te POA i muri i te mate¶

I mua i te tono a te ture ka rapu, tirohia te Whakaaetanga Riihi Pouaka Taonga Haumaru (Kaari Waitohu) kia kite i te taitara o te pouaka:

2. Taahiraa-a-Taahiraa: Te tono i te Ture "Te Tiaki Whakaaetanga me te Tanu Tanu" (UPC Wāhanga 3-317)¶

Tata ki nga kawanatanga katoa o Amerika (tae atu ki te Waehere Whakataunga a California Wāhanga 331, Florida Statutes Wāhanga 655.935, New York Surrogate's Court Procedure Act (SCPA) Wāhanga 2003, Texas Estates Code Wāhanga 151.001-151.005, Illinois 755 ILCS ⅚-20, Illinois 755 ILCS Pa. 3101) kua whakamanahia he ture e taea ai te uru ki roto i te pouaka putea haumaru o te tangata kua mate ** i mua i te whakatuwheratanga o te whakamatautau**:

1. Kohikohia nga mea e 3 e hiahiatia ana: (a) He kape whaimana o te Tiwhikete Mate (mehemea kare ano te tangihanga i puta, me te hiahia wawe koe ki te Tuhinga o te Tanunga o te Upapaku, he Whakaaetanga o te Reta Mate mai i te hohipera, te taote hospice, te kaiwhakahaere tangihanga ranei); (b) to Whakaahua ID me te tohu o te whanaungatanga (tiwhikete marena, tiwhikete whanau, kape ranei o te Wira e whakaingoatia ana koe hei Kai-whakahaere); me © te Kuhi Pouaka Pumau Haumaru (mehemea kua ngaro te ki, ka taea tonu e koe te tono i te ture Will Search, ka whiwhi ranei koe i tetahi Ex Parte Ota i raro i nga ture penei i te New York SCPA Wāhanga 2003, me te utu i te $150 ki te $350 te utu keri keri moti).
2. Waea atu ki te Kaiwhakahaere Peka me te whakahua i te Ture Rapu Pouaka Pumau Haumaru o to kawanatanga: Me kii kupu: "Kei te karanga ahau ki te whakarite i tetahi Tirotiro Pouaka Putunga Haumaru tonu mo te kairihi takitahi kua mate i raro i te Waehere Whakataunga a to tatou kawanatanga [hei tauira, UPC Wāhanga 3-317 / Waehere Waehere Waehere 331. 655.935 / NY SCPA Wāhanga 2003] anake ki te kimi me te tango i te Whakamutunga Whakamutunga me te Kawenata taketake, te Whakaaetanga mo te Tanu tanumanga, me etahi kaupapa here Inihua Ora."
3. Kia mohio ki nga mea e tupu ana i roto i te waahi i te wa o te Rapu Tiaki: Ka mauria koe e nga kaimahi peeke e rua (he apiha peeke me te notari ranei) ki roto i te waahi ki te whakatuwhera i te pouaka ka titiro anake mo nga tuhinga:
4. Whiringa Whakamutunga me te Kawenata, Codicil ranei: Ka kapehia e te Apiha peeke mo te konae a te peeke me koe, ka tuku tika tonu atu te Wira tuatahi ki te Kai-whakahaere i runga i te rihīti kua hainatia, ka tukuna atu ranei ma te **Meera kua Rehitatia / Tiwhikete tika ki te Karaka o te Kooti Whakataunga / Kai-whakahaere **.
5. Tuhinga Tanunga, Tohutohu Tanguhanga ranei: Ka tukuna tonu ki te whanaunga tata, ki te kaiwhakahaere tangihanga ranei i runga i te rihīti kua hainatia.
6. ** Kaupapa Inihua Ora: ** Ka tukuna tika atu ki te **ko te tangata i whakaingoatia ** kei te mata o te kaupapa here.
7. All other items (jewelry, coins, cash, watches, stock certificates, car titles) MUST stay inside the box during this initial search until you return with either a Small Estate Affidavit (after the 30-to-45-day statutory waiting period if the total estate is below your state's $50,000 to $184,500+ small-estate cap) or Letters Testamentary / Letters of Whakahaere (tirohia Kati te whakamatautau, te whakatio whenua, me te mana ohotata o te kaikokoti).

Tauari 2: I katia e to peeke te peka, i keri ranei i to pouaka kaore koe i mohio¶

I roto i nga tau kua pahure ake nei, kua katia e nga peeke nui o te motu me te rohe nga mano tini o nga peka tinana, kua whakakorehia ranei nga putea putea haumaru i te wa e whakahou ana. I taua wa ano, ka kitea e nga kaihoko i whakarite tangohanga utu-a-aunoa mo a raatau reti pouaka penapena haumaru i nga tau kua hipa, na te hekenga rorohiko peeke i whakamutua te nama-aunoa i te utu, na te peeke i tohu i te pouaka hei "Delinquent / Dormant" ka werohia.

1. He aha nga Tikanga Ture me whai e te Peeke i mua i te keri i to Pouaka Putunga Haumaru¶

Ko nga Waehere Peeke o ia kawanatanga ka whakatau i nga whakaritenga a-ture i mua i te wa e taea ai e te peeke te keri pouaka mo te kore utu reti, katinga manga ranei:

2. Me pehea te Aroturuki Raro me te Whakaora i o Ihirangi Pouaka I keri mai i te Peeke¶

1. ** Tonoa ki te Waenga Whakahaere Whakanuia me te Whakaaetanga:** Tonoa kia hono tonu atu ki te Te Tari Pouaka Whakanoho Haumaru Whakanuia / Te Tari Taonga Kare i Keremehia me te Waehere Whakanui Whakahaere.
2. Tuhia enei rekoata putea o roto e 5: (a) Te Kari Riihi Matua me te pukapuka nama-aunoa; (b) Nga Tau Aroturuki Mēra Tiwhikete USPS me nga Rihiti Whakahoki mo te panui i mua i te keri; © te Tiwhikete Notarized of Inventory (Drill Sheet); (d) te Tamper-Evident Bag Serial Number and Central Vault location; me (e) ki te whakakorehia, ko te Te Ra Tukunga a te Kawanatanga, te Tau Putunga, me te Tau ID Taonga Whenua.
3. Whakaritea te Tiaki Tangata Haumaru: Me kawe e te peeke te peeke hiri ma te ** kaikawe patu (Brink's / Loomis)** ki tetahi peka o te takiwa kia taea ai e koe te whakatuwhera i te putea ** i runga i te kaamera i mua i te kaiwhakahaere o te peka me te notari** me te whakataurite i nga mea katoa ki te Pepa Inventory Drill. Kaua rawa e hainatia he "Tukunga Katoa o nga Whakaaetanga Katoa" i mua i te whakatuwheratanga o te peeke. Tuhia ki runga ake i to hainatanga: "Rerihiti i hainatia mo te tuku i te Peeke Hiiri #[Tau] i mua i te tirotiro; kua rahuitia nga mana katoa."

Tauari 3: Te Whakamutu i te Tiaki Tiaki Whenua Karekau i Keremetia¶

Mēnā kua tukuna kētia e tō pēke (whakawhitihia) ō ihirangi pouaka tāpui haumaru i keri ki te kāwanatanga kāwanatanga i raro i te Ture Taonga Kare i Keremehia (te nuinga i muri i te 3 ki te 5 tau mo te noho mokemoke, te reti kore utu ranei), kei te tangi te karaka ki a koe.

1. Me pehea te Whakakorenga o te Whakaaetanga a te Kawanatanga i te uara: Ka riro i te whare putunga rawa kore kereme a te kawanatanga te putea hiri mai i te peeke, ka whakatuwherahia, ka tuhia nga korero ki raro i te Tau Taonga Taonga Whenua, ka whakairihia te ingoa o te rangatira ki runga i te paetukutuku a te kawanatanga Taonga Kore kereme. I raro i te Wāhanga 701 o te Revised Uniform Unclaimed Property Act (RUUPA) me nga ture a te kawanatanga, me pupuri noa te Kaiwhakahaere o te Kawanatanga ki te pupuri i nga rawa pouaka putunga haumaru mo te wa poto poto (he maha 1 tau ki te 3 tau i muri i te whiwhinga me te panui panui, ahakoa he roa ake te pupuri i nga mētara hoia i raro i te Military Medals Protection Acts) Ko nga pepa pepa kore-whakawhitiwhiti (Will, Tiwhikete, Tiwhikete Whanau) he maha nga wa ka kohia ki te kore e keremehia, ka hokona nga moni, whakapaipai, wati, me nga taonga tuku iho, ka waiho te rangatira e kii ana i te roanga ** ko te moni taara kupenga anake i kohia i te peeke** (whakahekea nga utu hokohoko) me te kore e kaha ki te whakaora i nga taonga tinana.
2. Kawa ohorere ki te Whakatio i te Auction State: Rapua ki te National Association of Unclaimed Property Administrators (NAUPA) portals i MissingMoney.com me Unclaimed.org, me to paetukutuku motuhake o te Kaitiaki/Kaitiaki Taonga i raro i nga rereketanga o te ingoa o te kairihi, ingoa kotiro, me te ingoa whenua kua mate. Waea wawetia te Waihanga Taonga / Pouaka Taonga Haumaru a te tari kawana, hoatu ki a ratou te Tau ID Taonga, ka tono ki te kaitirotiro kia tuu tonu he Kereeme Hohe / Haki Hokohia ki runga i te waahi tinana i roto i te whare taonga o te kawanatanga kia tangohia mai i nga raarangi hokohoko e haere ake nei. Whakapumautia ma te tuhi ma te imeera e tono ana kia whakahokia mai nga rawa o te tinana ** i runga i te ahua** me te whakatio tonu i runga i te whakakorenga, te whakangaromanga ranei i te wa e tukatukahia ana to tuhinga kereme.

Tauari 4: Kei te ngaro nga taonga mai i to pouaka putea haumaru, kua waipuketia ranei, kua tahuna, kua tahaetia ranei te whare taonga.¶

Unuhia te Whakaaetanga Riihi Pouaka Taonga Haumaru a to peeke ka kitea e koe etahi rarangi e ngana ana ki te kati i te nama o te peeke ki te $500 ki te $10,000 me te whakakore i te taunahatanga mo te waipuke, te ahi, te ngaronga ngaro ranei. Heoi ano, i raro i te ture a te kawanatanga me te ture tuku putea/riihi, KORE e taea e te peeke te tango i te taunahatanga mo ona ake tino mangere, mo te mahi kino, te hurihanga a nga kaimahi peeke, te takahi ranei i te ture keri me nga tikanga whakahaere-rua:

• Ko te Keri Heke / Moata Maama Kaore he Panui Ture: He maha nga korero a nga kooti puta noa i te United States e kii ana i te wa e rurihia ana e te peeke tetahi pouaka i mua i te paunga o te wa o te herenga ture, ka pohehehia te nama pouaka he, karekau ranei i te tuku i te panui kua Rehitatia/Tiwhiketetia e te ture, ka kore e taea e te peeke me te Whakaaetanga Whakaaetanga Whakaaetanga ** Ka taea e te peeke te here i muri o te Whakaaetanga Whakaaetanga ** ka ngaro nga taonga i te whakatuwheratanga kore mana.
• Kua Rahua te Haumarutanga Kī-Tārua: Ko te raka pouaka putunga haumaru ka hiahiatia e rua nga taviri i te wa kotahi ki te whakatuwhera: te Kī Kaitiaki Peeke me te Kī Kiritaki (kaore rawa e tika kia puritia e te peeke). Ki te puritia e te kaimahi peeke tetahi taviri kaihoko kore i tukuna, karekau i te kii ano i te raka i waenga i nga kairëti, i te tuku ranei i tetahi ki roto i te whare roroa me te kore e rite ki tana hainatanga me tana ID i runga i te Vault Entry Access Log, ka tika te peeke mo te haumarutanga mangere.
• Te Waipuke, Te Tukino Ahi ranei: Ki te pakaru mai he paipa paipa ki roto i te whare peeke ka waipuketia te whaanui mo te 48 haora na te mea i pakaru te whakaoho wai-puna o te peeke, kaore ranei te peeke i whakamohio wawe ki nga kaipupuri pouaka kia whakamarokehia nga moni maku me nga tuhinga, ka tau te peeke mo te mangere.

Te reta tono Verbatim: He pouaka putunga haumaru i keri pohehe, nga mea ngaro, me te tiaki CCTV¶

Tukuna tenei reta ma te USPS Tiwhikete Mēra me te Rihiti Whakahoki Kua Tonoa ki te Kaitohutohu Whanui a te Peeke, Wae Whakahaere Pouaka Putea Haumaru, me te OCC / CFPB:

[Date]
VIA USPS CERTIFIED MAIL - RETURN RECEIPT REQUESTED (Tracking #: [Insert Number])
To: Office of the General Counsel & Centralized Safe Deposit Box Operations, [Bank Name & Address]
Re: Safe Deposit Box #[Box Number] at [Branch Address] | Lessee: [Your Name] | Account #: [XXXX-1234]

URGENT NOTICE OF WRONGFUL SAFE DEPOSIT BOX DRILLING, DEMAND FOR IN-KIND RETURN
AND NOTARIZED DRILL INVENTORY, AND LITIGATION HOLD ON VAULT CCTV

To Whom It May Concern:

I am the lawful lessee of Safe Deposit Box #[Box Number] at your [Branch Name] branch. On [Date], I discovered that [Bank Name] [forcibly drilled open my box without statutory notice / closed the branch and removed my contents / returned a safekeeping bag with items missing].

1. DEMAND FOR IMMEDIATE LOCATION AND IN-KIND RETURN: If my contents remain in [Bank Name]'s Central Safekeeping Vault, disclose the exact location and Tamper-Evident Bag Serial Number(s), place an immediate hold preventing escheatment to the state, and arrange armored transport to your [Nearest Active Branch] for inspection before a bank officer and Notary Public. If already transferred to a State Unclaimed Property Administrator, provide the Remittance Date, Batch Number, and State Property ID Number within 48 hours.

2. DEMAND FOR STATUTORY DRILLING RECORDS: Produce within five (5) business days: (a) the signed and notarized Certificate of Inventory (Drill Log) executed under dual custody; (b) proof of service of the statutory pre-drilling Notice by Registered or Certified Mail (and why [Bank Name] failed to notify my active address, email, and phone on file for account #[XXXX-1234]); (c) the Vault Entry Access Log for the past five (5) years; and (d) the billing ledger showing why annual box rental auto-debit from account #[XXXX-1234] ceased.

3. MANDATORY VIDEO PRESERVATION HOLD: Do NOT overwrite or delete any CCTV footage showing the vault, drilling of Box #[Number], cataloging, bagging, or transport of contents at [Branch Address] and your Central Safekeeping Vault. Extract and preserve all video files immediately before your 30-to-90-day loop overwrites them.

Sincerely,
[Your Signature, Printed Name, Address, Phone Number, and Email]
cc: OCC Customer Assistance Group / CFPB / State Banking Regulator

Nga nama ohorere a rohe me nga tikanga umanga¶

Mena ka piki ake te tautohetohe i te peka peeke ki te whakatuma, ki te mate ohorere ranei, waea atu ki to rohe tau ohorere tonu. Mo nga amuamu a te ture mo nga pouaka putunga haumaru kua keri, nga hokonga rawa kare i keremehia, me te urunga mai o te whakamatautau:

• Te Hononga o Amerika: Rapua nga kawanatanga katoa i MissingMoney.com me Unclaimed.org (NAUPA). Tukuna nga amuamu peeke ki te Te Tari o te Kaitiaki Tiaki Moni (OCC) i HelpWithMyBank.gov (1-800-613-6743), te Te Tari Tiaki Putea Kaihoko (CFPB) i consumerfinance.gov/complaint (1-855-411-2372), ranei Federal Reserve Consumer Help (1-888-851-1920). Mo nga moni kua pakaru, whakapā atu ki te BEP Mutilated Currency Division (bep.gov, 1-866-575-2361); mo nga here penapena ngaro, konae ** Puka FS 1048** ki treasurydirect.gov.
• Kanata: Kaore i rite ki nga kaute moni kaore i keremehia, KORE te Peeke o Kanata e whakaae ki nga ihirangi tinana o nga pouaka putea haumaru. I raro i te Bank Act (S.C. 1991, c. 46) me nga ture rawa porowini kaore i keremehia, ka pupuri nga peeke o Kanata i nga pouaka pouaka i roto i nga waahi tiaki i te pokapū i mua i te tukunga ture, te tuku moni ranei. Whakanuia nga tautohetohe ki te Ombudsman for Banking Services and Investments (OBSI) (obsi.ca ranei 1-888-451-4519) me te Financial Consumer Agency of Canada (FCAC) (1-866-461-3222).
• United Kingdom: Ka whakaaetia e nga peeke o Ingarangi nga kaikokoti kua whakaingoatia i roto i te Wiira ki te whakarite i tetahi tirotiro tirotiro me te Tiwhikete Matenga whaimana me te Whakaahua ID ki te tiki i te Whiringa taketake i mua i te tukunga o te Grant of Probate. Ko nga taonga tinana kaore i kohia i roto i te whare pupuri haumaru kei te whakahaeretia e te Torts (Interference with Goods) Act 1977 (Tekiona 12 panui). Whakanuia te keri he, nga mea ngaro ranei ki te Financial Ombudsman Service (FOS) (financial-ombudsman.org.uk ranei 0800 023 4567).
• Uniana Pakeha: Puta noa i nga mana whakahaere ture a-iwi a te EU, ka whakatotoka te pouaka penapena a te tangata kua mate (coffre-fort / Bankschließfach) i runga i te panuitanga o te mate ka whakatuwheratia e te ture a-iwi Notari (Notaire / Notar) mo te inventaire okawa, i runga ranei i te whakaaturanga o te Tiwhikete Rereihana European 650/2012).
• Ahitereiria me Niu Tireni: Ko te putea moni a Moneysmart Unclaimed Money a ASIC e kapi ana i nga kaute moni kare i keremehia i muri i te 7 tau i raro i te Banking Act 1959, **ehara i nga taonga tinana kei roto i nga pouaka putea haumaru (e whakahaeretia ana e te kawanatanga Uncollected Goods Acts). Whakanuia nga tautohetohe ki te Australian Financial Complaints Authority (AFCA) i afca.org.au (1800 931 678) or New Zealand's Banking Ombudsman Scheme(bankomb.org.nz, 0800 805 950).

Pātai auau¶

Na te FDIC, na te peeke ranei nga mea kei roto i te pouaka putea haumaru?¶

Kao. I raro i te 12 U.S.C. Tekiona 1813(l), te FDIC ka inihua anake nga putea putea ki te kore peeke me te ka whakakorehia nga pouaka putea haumaru ki te kore putea, te tahae, te ahi, te waipuke ranei. I tua atu, karekau te peeke e inihua i roto i to pouaka kei roto i te pouaka mena ka ngaro te mate na te mangere o te peeke, na te takahi ture ranei. Mena kei te rongoa koe i nga whakapaipai, nga mataaratanga, nga moni ranei ki roto i te pouaka, taapirihia he Whakatakotoranga Taonga Whaiaro Whaiaro me te utu "In-Vault Storage" ki to kaupapa here Inihua mo nga Kaipupuri Whare, Kaihoko ranei.

He aha te mea kino ki te pupuri i te kape ANAKE o to Mana o te Roia, Tou Waimarie, Uruwhenua ranei ki roto i te pouaka penapena?¶

Ka taea anake te uru atu ki tetahi pouaka putea i nga haora peeke o te wiki. Mena ka pa ki a koe he whiu ohorere, he aitua ranei, kei raro i to kaihoko a Mana Putea Roia o te Roia ranei Takawaenga Hauora e kore e taea e koe te whakatuwhera i to pouaka me te kore e mau te POA taketake, ka mau tonu nga tari ture peeke 5 ki te 14 ra mahi kia whakaaetia he POA. Puritia to Mana o te Roia tuatahi, Tohu Whakahau Hauora, Uruwhenua, me nga Tohunga Tanu i roto i te kaainga kore ahi (kua whakatauhia te UL Class 350 mo te 1 haora i te 927 degrees Celsius / 1,700 degrees Fahrenheit) ka hoatu kape ki o kaihoko ingoa.

He tika ki te penapena moni tinana, puru koura ranei i roto i te pouaka penapena peeke?¶

I roto i te United States, ehara i te hara i raro i te ture a te kawanatanga me te kawanatanga ki te penapena i nga moni kua riro mai i runga i te ture, i te piriona ranei i roto i te pouaka penapena. Heoi, ko te nuinga o nga whakaaetanga riihi peeke a Amerika e aukati ana i te penapena moni pepa (kaore he uara numismatic) me te whakatupato ko te moni me te puru he kore inihua. Ko te penapena moni i roto i te pouaka ka ngaro te mana hoko ki te pikinga, ka whiwhi i te 0% huamoni, ka 0% te inihua e te FDIC, ka kati ki te $200 i raro i nga kaupapa here a nga rangatira o te whare, ka arahi ki te tatau i nga tautohetohe mena ka keri te pouaka.

Ka aha mena ka tukuna e te IRS, tetahi kaiwhakatakoto whakaaro motuhake ranei he reeti, he tuhinga whakapaipai ranei i runga i taku peeke: ka taea e ratou te whakatio me te keri i taku pouaka putea haumaru?¶

Ae. I te wa e mahi ana te IRS a Panui mo te Reihi (Puka 668-A) ka mahi ranei tetahi kaiwhakatau nama a Writ of Execution i runga i to peeke, ka hiri tonu te peeke me te whakatio i to pouaka penapena haumaru. I raro Pukapuka Putea Roto (IRM) 5.11.4.8, ki te kore koe e whakatau i te nama taake, i te whakaae ranei ki te whakatuwhera, ka whiwhi te IRS i tetahi ota a te kooti (ka tatari ranei mo te wa o te ture) ki te keri i te pouaka kia tuwhera ki te aroaro o tetahi Apiha Revenue IRS me te hopu i nga taonga utu kore utu (tirohia Ko te utu putea putea, te putea hakihaki tio, me te tukunga moni kore).

Ka aha mena ka ngaro nga kii e rua ki taku pouaka putea, kotahi noa te ki e toe ana?¶

Nga take putea e rua nga taviri kaihoko rite i te hainatanga i te riihi me te kore e pupuri i te taviri taarua a te kaihoko (ko te "Kī Kaitiaki" anake ka huri i te wa kotahi me to kii). Mena ka ngaro koe kotahi kī, mauria tō kī e toe ana ki te peeke ki te huri i te rango raka i te wa e tuwhera ana te kuaha. Mena ka ngaro koe e rua mau taviri, me he tangata raka here wirihia te porotaka raka i to aroaro tinana ($150 ki te $350).

Nga kaiarahi e pa ana¶

• Kati te whakamatautau, te whakatio whenua, me te mana ohotata o te kaikokoti
• Rahunga peeke, kaute tio, me te whakaora FDIC
• Ko te utu putea putea, te putea hakihaki tio, me te tukunga moni kore
• Ina tono utu nga kaikohi nama mo nga pire a tetahi whanaunga kua mate
• Ko nga nama ohorere ma te whenua

Nga puna me nga aratohu whai mana¶

• Federal Deposit Insurance Corporation (FDIC) & Office of the Comptroller of the Currency (OCC) (United States): FDIC Consumer News: E rima nga mea hei mohio mo nga Pouaka Taonga Haumaru; 12 U.S.C. Wāhanga 1813(l); me OCC HelpWithMyBank Guidance (helpwithmybank.gov).
• Uniform Law Commission & NAUPA (United States): Revised Uniform Unclaimed Property Act (RUUPA) Sections 201, 501-503, and 701-702; Uniform Probate Code (UPC) Wāhanga 3-317; me Te Putu Haumaru a te Kawanatanga me nga Ture Whakatau (Cal. Prob. Code Section 331, NY SCPA Section 2003, Fla. Stat. Section 655.935).
• U.S. Department of the Treasury & IRS (United States): BEP Mutilated Currency Regulations (31 CFR Part 100); Puka Tiaki Taonga 1048; me IRM 5.11.4.8 (Nga Riihi i runga i nga Pouaka Putunga Haumaru).
• FCAC (Kanada), Ratonga Kaitiaki Take Moni (UK), & AFCA (Ahitereiria): Ture Peeke (Kanada); Ture Torts (Poopono ki nga Taonga) 1977 (UK); me Te Ture mo nga Taonga Kore Kare i Kohia (Ahitereiria).