Puerto Rico
Statutory term: Abandoned or Unclaimed Money
Overview
Search for Unclaimed Property
This program provides a public search portal where you can look up unclaimed property.
Search Now →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 (savings/checking/CDs) | 5 | Act 36-1989 and Act 55-1933: accounts inactive for 5 years as of June 30 are presumed abandoned |
| Money orders | 5 | General 5-year dormancy under Act 36-1989 |
| Insurance proceeds | 5 | General 5-year dormancy under Act 36-1989 |
| Securities/dividends | 5 | General 5-year dormancy under Act 36-1989 |
| Wages/payroll | 5 | General 5-year dormancy; no shortened payroll period specified |
| Utility deposits/refunds | 5 | General 5-year dormancy under Act 36-1989 |
| Other liquid assets | 5 | Act 36-1989 applies a uniform 5-year dormancy to all money and liquid assets |
Puerto Rico uses a uniform 5-year dormancy period for most property types under Act 36-1989. Funds reported by banks under Act 55-1933 must be claimed within 3 years of delivery to OCIF; funds from other institutions under Act 36-1989 can be claimed at any time. Preliminary reports due in fall; final reports due in summer.
Finder / Helper Restrictions
Restriction Level: None
Fee Cap: None specified — Puerto Rico's Act 36-1989 does not contain specific finder fee cap provisions. The territory has not adopted RUUPA or its finder-restriction framework.
Waiting Period: None specified — No statutory waiting period before finders may contact owners. However, funds reported by banks have a 3-year claim window from delivery to OCIF under Act 55-1933.
Solicitation Rules: No specific finder solicitation rules in territorial law.