All U.S. states and territories have unclaimed property programs to protect individuals who reside in those states. These programs require banks, fund companies, etc., to turn abandoned property over to the state after a designated period of time, which is determined by each state. This allows the state to match abandoned property with its rightful owner. States look at return mail, aka RPO (return Post Office) (lost shareholders) and shareholder-initiated activity when defining abandoned property. If there is no shareholder-initiated activity on an account (or broker-initiated activity if applicable) for a period of time, the account is considered abandoned! Each state has a unique law and a unique dormancy period.