Guam
Statutory term: Unclaimed Property (Escheat)
Overview
Dormancy Periods
The dormancy period is how long property must be inactive before it is considered unclaimed and reported to the state.
| Property Type | Years | Notes |
|---|---|---|
| Savings accounts | 10 | Longest dormancy period in Guam's schedule |
| Checking accounts | 2 | |
| Certificates of deposit | 3 | |
| Non-bank money orders | 3 | |
| Official bank checks/money orders | 3 | |
| Safe deposit boxes | 3 | |
| Traveler's checks | 3 | |
| Life insurance (matured) | 3 | |
| Casualty insurance | 3 | |
| Utility deposits/refunds | 3 | |
| Dividends | 3 | |
| Securities | 3 | |
| Bonds/debt instruments | 3 | |
| Wages/payroll | 1 | Shortest dormancy period |
| Dissolution/liquidation | 3 | |
| Fiduciaries | 3 | |
| IRA/Keogh | 3 | |
| Gift certificates | 5 | Under 5 GCA 32803 |
| Credit memos | 5 | |
| Vendor-vendor payments | 3 | |
| All other property | 3 | Default dormancy period |
Guam has detailed dormancy schedules under 11 GCA 106 and 127. Most property types use a 3-year dormancy. Notable exceptions: savings accounts (10 years), checking (2 years), wages (1 year), and gift certificates/credit memos (5 years). Amounts below $1.00 are excluded from reporting. Holder Notice Report due November 1; Holder Remit Report due January 31. Life insurance reports due in May; all others in December. NAUPA 3 format accepted for electronic filing.
Finder / Helper Restrictions
Restriction Level: None
Fee Cap: None specified — Guam's unclaimed property statutes (11 GCA 106, 127) do not contain specific finder fee cap provisions.
Waiting Period: None specified — No statutory waiting period for finder agreements.
Solicitation Rules: No specific finder solicitation rules in territorial law.