Indiana
Statutory term: Unclaimed Property
Overview
Search for Unclaimed Property
This program provides a public search portal where you can look up unclaimed property.
Search Now →Key Statistics
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 |
|---|---|---|
| Bank accounts | 3 | 3 years after last indication of interest by the owner |
| Wages/payroll | 1 | 1 year after compensation becomes payable |
| Insurance proceeds | 3 | 3 years; life insurance triggered by death master file match |
| Securities | 3 | 3 years after last dividend, distribution, or second mailing of notice |
| Utility deposits | 3 | 3 years after last activity |
| Safe deposit boxes | 3 | 3 years after expiration of lease or rental period |
| Gift cards/certificates | 5 | 5 years; exempt if no expiration date or service fee |
| Traveler's checks | 15 | 15 years after issuance |
| Money orders | 5 | 5 years after issuance |
Indiana adopted RUUPA in 2021 (SB 188), replacing the old IC 32-34-1. The Attorney General administers unclaimed property -- Indiana is the only state where this function is not under the Treasurer or Controller. Property held for up to 25 years before escheat.
Finder / Helper Restrictions
Restriction Level: Moderate
Fee Cap: 10% — Fee or compensation may not exceed 10% of the amount collected, unless the amount is $50 or less (IC 32-34-1.5-60).
Waiting Period: 24 months — Agreement must be entered into no earlier than the date property was presumed abandoned and no later than 24 months after delivery to the Attorney General. Agreements violating these conditions are void and unenforceable.
Solicitation Rules: Agreements to locate property must be in writing and clearly state the fee or compensation. The 10% cap and 24-month window are strictly enforced.