{"version":"0.35.0","built_at":"2026-10-24T11:24:42.001Z","license":"CC BY 4.0 © Mike Reams","canonical":"https://catalog.mikereams.com","capability":{"id":"BC-1710.40","name":"Dormancy, Closure & Unclaimed Funds","level":2,"parent_id":"BC-1710","l1_id":"BC-1710","industry":"financial-services","macro_id":null,"path":["Deposits & Accounts","Dormancy, Closure & Unclaimed Funds"],"description":"Notice when accounts go inactive, close accounts cleanly when the customer or bank ends the relationship, and hand abandoned balances to the state or unclaimed-assets authority on time so no customer money is lost or kept unlawfully. Keeping closed-account records for the required period is records management.","aliases":["Inactive Account Handling","Account Closure","Abandoned Property Compliance"],"in_scope":["Inactivity tracking, dormancy flags and owner outreach","Customer and bank-initiated account closures and final payouts","Unclaimed property due diligence, reporting and remittance","Accounts of deceased customers and estate settlement"],"out_of_scope":["Retention and disposal of account records (see BC-790.10)","Regulatory obligations register in general (see BC-140.10)","Exits driven by financial crime risk decisions (see BC-1770.10)"],"csdm_note":null,"status":"active","successor_id":null,"child_ids":["BC-1710.40.10","BC-1710.40.20","BC-1710.40.30","BC-1710.40.40"]},"crosswalk":{"realized_by":[],"used_in":[],"patterns":[],"stacks":[],"books":[],"technology":[],"frameworks":[],"principles":[],"data_concepts":[],"domain_events":[]},"ancestors":[{"id":"BC-1710","name":"Deposits & Accounts","level":1}],"children":[{"id":"BC-1710.40.10","name":"Dormancy Monitoring","level":3,"child_count":0},{"id":"BC-1710.40.20","name":"Deposit Account Closure","level":3,"child_count":0},{"id":"BC-1710.40.30","name":"Unclaimed Property Reporting","level":3,"child_count":0},{"id":"BC-1710.40.40","name":"Deceased Customer Accounts","level":3,"child_count":0}]}