Texas
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 (checking/savings) | 3 | Tex. Prop. Code Chapter 73 |
| Certificates of deposit | 3 | Tex. Prop. Code Chapter 73 |
| Wages/payroll checks | 1 | Tex. Prop. Code Chapter 72 |
| Insurance proceeds | 3 | Tex. Prop. Code Chapter 72 (3 years after insurer learns of death) |
| Securities/dividends | 3 | Tex. Prop. Code Chapter 72 |
| Utility deposits/refunds | 3 | Tex. Prop. Code Chapter 72 |
| Safe deposit boxes | 3 | Tex. Prop. Code Chapter 73 (after rental becomes delinquent) |
| Mineral proceeds/royalties | 3 | Tex. Prop. Code Chapter 75 |
| Money orders | 3 | Tex. Prop. Code Chapter 72 |
| Traveler's checks | 15 | Tex. Prop. Code Chapter 72 |
Texas has its own independent unclaimed property framework (not based on any version of the Uniform Act). The law is organized across multiple chapters: Ch. 72 (general provisions), Ch. 73 (financial institutions), Ch. 74 (reporting and claims process), Ch. 75 (mineral proceeds), and Ch. 76 (court registry). Most property types use a 3-year dormancy period. The Comptroller's office has managed the program since 1962.
Finder / Helper Restrictions
Restriction Level: Moderate
Fee Cap: 10% — A person who informs a potential claimant may not contract for or receive an amount exceeding 10% of the value of the property recovered, plus reasonable attorney's fees necessary to pursue the claim. Tex. Prop. Code Section 74.507.
Solicitation Rules: Agreements must clearly state the nature of the property and services; must be signed by or on behalf of the claimant; and must state the expected value before and after fees are deducted. Tex. Prop. Code Section 74.507.