NAUPA-II file format
Every state file is built to the current NAUPA-II specification, with property-type codes, owner fields, and remittance details validated against the state's published schema.
The most rigorous unclaimed-property filing service a multistate company can use.
Unclaimed Property Compliance Engine files every required state report on time, in each state's NAUPA-II format, with completed owner due-diligence — and produces an audit-defensible evidence binder plus a Delaware VDA remediation package when exposure is found. The customer never operates software; their controller hands us the ledgers and receives filed reports and a clean audit posture.
Every state's dormancy period and deadlineNAUPA-II format compliance, gate-checkedDue-diligence letters tracked and mailedSpecialist release on every report5-business-day SLA for standard reports
Why compliance fails
A single missed report can trigger a multi-year audit with punitive interest.
Unclaimed property compliance is a 50-state-plus-DC patchwork. Each state sets its own property-type dormancy periods (typically 1–5 years), due-diligence-letter thresholds and timing, report deadlines, and NAUPA file formatting. The work is high-stakes but episodic, so few companies staff for it.
States — Delaware above all — fund their general budgets with unclaimed property and audit aggressively through third-party firms with multi-year lookbacks and interest up to 50%. Non-filing is invisible until an audit notice arrives, at which point estimation-based assessments dwarf what timely filing would have cost.
Unclaimed Property Compliance Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
$400M+
Delaware's annual escheat revenue — a structural incentive to enforce
The benchmark
Measured against the letter of each state's statute — subsection by subsection.
We do not summarize the law and hope. Every report is scored against a versioned rule pack tied to the exact text of each state's unclaimed property act. These are the provisions each filing is held to.
Dormancy clock per property type
Each item is classified to a NAUPA property type and assigned the correct dormancy period (1–5 years) per the state of the owner's last known address, computed deterministically.
Statutory due-diligence letters
For properties above each state's threshold, due-diligence letters are generated, mailed, and tracked with proof of mailing, meeting the specific timing and content requirements.
On-time filing in every jurisdiction
Each state's report deadline (e.g., Nov 1 for DE, Jul 1 for NY) is calendared and the report is submitted before the due date, with extensions obtained where available.
Delaware VDA remediation
When historical exposure is identified, a Delaware Voluntary Disclosure Agreement is initiated under the state's standard protocol, with penalty and interest waiver pursued.
Complete evidence binder
Every report is accompanied by a workpaper binder containing source ledgers, classification logs, dormancy calculations, due-diligence records, and proof of filing — ready for audit defense.
How a report is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Exposure Scan
Upload your GL, AP, payroll, and stock-transfer ledgers. We return a free completeness read: which states' reports are due, which property types are present, and any historical exposure flagged.
02
Data ingestion & classification
As your authorized agent, we ingest your ledgers, classify each item to a NAUPA property-type code, and apply the correct state's dormancy clock based on the owner's last known address.
03
Due-diligence execution
For properties above each state's threshold, we generate, mail, and track statutory due-diligence letters. Responses are recorded and owner records updated.
04
Deterministic completeness gates
Every state's file is validated against its published schema; dormancy periods are verified; due-diligence proof is attached; deadlines are checked. Any failure blocks release.
05
Specialist release
A credentialed specialist reviews the exception queue and signs the release. High-exposure or complex VDA matters route to attorney review first.
06
Delivery & remittance
You receive the filed reports, remittance instructions, the audit-defensible evidence binder, and the Delaware VDA package if applicable — ready for your records and any state inquiry.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No report ships without a human signature.
5 days
Standard SLA
From complete intake to released report.
<1%
Critical-defect target
Tracked against a gold-standard report library.
50+
Jurisdictions covered
All 50 states plus DC, each with its own rule set.
Why Unclaimed Property Compliance Engine
Built to be the most thorough option a company has.
Documentation-complete, by design
The deliverable is completeness itself — every state report filed, every due-diligence letter tracked, every workpaper accounted for. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A classification error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never provide legal advice or represent you in any legal matter.
Engagement
Flat fee, per report cycle. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Exposure Scan before you commit — see exactly what is due and what exposure exists.
- One flat fee per annual report cycle; disclosed pass-through search fees for due-diligence mailings.
- Optional fixed-fee attorney review for complex VDA or high-exposure matters.
- Optional historical remediation add-on for prior-year filings and Delaware VDA.
FAQ
Questions, answered precisely.
Is Unclaimed Property Compliance Engine a law firm?
No. Unclaimed Property Compliance Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-exposure matters.
Do you contact property owners or collect the property?
Never. Unclaimed Property Compliance Engine is not a finder or collector. We prepare and mail due-diligence letters on your behalf, but the company remains the holder responsible for remitting property to the state.
What makes a report 'complete'?
Completeness is defined by each state's statute: correct NAUPA-II format, accurate dormancy periods, due-diligence letters sent and tracked, and all workpapers assembled. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released report. The free Exposure Scan is returned much sooner and tells you exactly what is due.
How are you priced?
A flat fee per annual report cycle, plus disclosed pass-through costs for due-diligence mailings. No contingency and no percentage of any recovered amount or sale proceeds.
See what's missing before it costs you an audit.
Start with a free Exposure Scan. Send your ledgers and we'll return a completeness read against every state's unclaimed property requirements.
Documentation-completeness service · not legal advice · the company remains the holder.