,i  #aae? ,,congress  #b;d ,session  ,h4
 ,r4 #efib  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,may #g1 #bjah,miss   
,gonzlez-,coln ( ,pu]to ,rico introduc$ 
! foll[+ bill2 :i* 0 ref]r$ to !        
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to require f9ancial in/itutions
 to deposit ! pr9cipal am\nt ( any      
unclaim$ deposit held by su* in/itutions
 into int]e/ or divid5d-be>+ acc\nts1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,promot+ ,access to
 ,ju/ice ?r\gh ,unclaim$ ,deposits ,act 
( #bjah4  #b4 ,requirem5t = deposits (  
unclaim$ funds  7a7 ,int]e/ & divid5ds  
g5]at$ on unclaim$ funds ,ea* f9ancial  
in/itution %all--  7#a7 deposit !       
pr9cipal am\nt ( any unclaim$ deposits !
 f9ancial in/itution receives or holds  
into an int]e/ or divid5d-be>+ acc\nt2 &
  7#b7 transf] any int]e/ or divid5d    
g5]at$ on su* am\nt to a fund or acc\nt 
( ! ,/ate-- 7,a7 9 :i* su* f9ancial     
in/itution is locat$2 &  7,b7 into :i*  
su* ,/ate deposits rev5ues f int]e/ on  

lawy]s tru/ acc\nts4  7b7 ,int]e/ &     
divid5d ,rate ,ea* f9ancial in/itution  
%all ensure t deposits into ea* acc\nt  
describ$ 9 subsection 7a77#a7 e>n !     
highe/ int]e/ rate or divid5d g5]ally   
available to o!r cu/om]s ( su*          
in/itution if su* acc\nt meets ! same   
m9imum balance or o!r m9imum            
qualification = su* int]e/ rate or      
divid5d4  7c7 ,regulations requir$ ,n   
lat] ?an #ij days aft] ! date ( enactm5t
 ( ?is ,act1 ! ,f$]al ,deposit          
,insurance ,corporation & ! ,*airman ( !
 ,national ,cr$it ,union ,adm9i/ration  
%all promulgate su* rules z may be      
necess>y to c>ry out ?is ,act4  #c4     
,def9itions ,9 ?is ,act3 7#a7 ,f9ancial 
in/itution ,! t]m f9ancial in/itution   
means--  7,a7 a bank1 z def9$ 9 section 
#c7;a7 ( ! ,f$]al ,deposit ,insurance   
,act 7#ab ,u4,s4,c4 #ahac7;a772 or  7,b7
 a cr$it union1 z def9$ 9 section       
#aja7a7 ( ! ,f$]al ,cr$it ,union ,act   
7#ab ,u4,s4,c4 #ageb7a774  7#b7 ,int]e/ 
on lawy]s tru/ acc\nt ,! t]m int]e/ on  

lawy]s tru/ acc\nt has ! mean+ giv5 !   
t]m 9 section #bjg7k77#e77;c7 ( ! ,f$]al
 ,cr$it ,union ,act 7#ab ,u4,s4,c4      
#aghg7k77#e77;,c774  7#c7 ,/ate ,! t]m  
,/ate means any ,/ate ( ! ,unit$ ,/ates1
 ! ,di/rict ( ,columbia1 & any t]ritory 
or possession ( ! ,unit$ ,/ates4  7#d7  
,unclaim$ deposit ,! t]m unclaim$       
deposit means a deposit 9 ! possession (
 a f9ancial in/itution 9 a deposit      
acc\nt :i* has become inactive or ab&on$
 pursuant to ,/ate law or regulation4