Kentucky
Statutory term: Unclaimed Property
Overview
Search for Unclaimed Property
This program provides a public search portal where you can look up unclaimed property.
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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 (checking/savings) | 3 | 3 years of inactivity per KRS 393A.040 |
| Wages/payroll | 1 | 1 year after becoming payable |
| Commissions | 3 | 3 years after becoming payable |
| Insurance proceeds (life) | 3 | 3 years after becoming payable |
| Securities/dividends | 3 | 3 years of inactivity |
| Utility deposits | 1 | 1 year after service termination |
| Safe deposit boxes | 5 | 5 years after lease expiration |
| Traveler's checks | 15 | 15 years after issuance |
| Money orders | 7 | 7 years after issuance |
| Accounts payable | 3 | 3 years of inactivity |
| Credit balances | 3 | 3 years of inactivity |
| Customer refunds | 3 | 3 years after becoming payable |
| IRA (traditional) | 3 | 3 years after required distribution date |
Kentucky adopted the Revised Uniform Unclaimed Property Act (RUUPA) in 2018 under KRS Chapter 393A, making it one of the earlier RUUPA adopters. Most property types have a 3-year dormancy period. Due diligence notices must be sent via first-class mail 60-180 days before the report filing deadline for property valued at $50 or more. The State Treasury holds approximately $800 million in unclaimed assets.
Finder / Helper Restrictions
Restriction Level: Moderate
Fee Cap: 10% — Compensation may not exceed 10% of the value of the recoverable property (KRS 393A).
Waiting Period: 24 months — Agreements to locate unclaimed property are unenforceable if the property has been held by the state for less than 24 months.
Solicitation Rules: Finders must inform owners that unclaimed property can be claimed without a fee, free and simple. Claims by finders require a notarized contract.