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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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X12 103 — Abandoned Property Filings

A bank, insurer or registrar declares to state authorities the abandoned property (inactive accounts, unclaimed policies) for transfer to the state treasury.

Purpose

US escheat (lost-property) mechanism. The 103 fills the mandatory annual declaration to each State (UPAA — Unclaimed Property Administrators Association). Each State has a specific format but 103 unifies. Covers inactive bank accounts, unclaimed dividends, lapsed life policies without identified beneficiary, unclaimed wages.

Envelope structure

The 103 travels inside the three X12 envelope levels (ISA/IEA, GS/GE with functional group BO, and ST/SE). Didactic example in 004010:

x12 example-103.x12 
ISA*00*          *00*          *ZZ*ACMEBANK      *ZZ*STATETREAS    *260516*1100*U*00401*000000103*0*P*>~
GS*BO*ACMEBANK*STATETREAS*20260516*1100*1*X*004010~
ST*103*0001~
BFA*RP*ACMEBK-FILING-2026*20260516~
N1*FL*ACME BANK NA*92*ACMEBK~
N1*ST*CALIFORNIA STATE CONTROLLER*92*CASCO~
LX*1~
REF*ACT*1234567890~
DTM*194*20210101~
AMT*RT*847.50~
SE*8*0001~
GE*1*1~
IEA*1*000000103~

Common segments

  • Header — ST, BFA (Beginning of Filing).
  • Filer — N1*FL, adresse, IDs.
  • Reporting State — N1*ST (state agency).
  • Property loop — LX par bien, owner info, value, last activity date.
  • Summary — SE.

Common pitfalls

  • Inactivity date before dormancy period: each State has its delay (CA = 3 years for checking, NY = 5 years). Premature filing rejected.
  • Owner without SSN or TIN: some States require tax ID for transfer facilitation.
  • Missing currency: defaults to USD; explicit for foreign currency (international insurance).

Documentation

The 103 code and the Abandoned Property Filings name are public and listed at x12.org/products/transaction-sets. The full loops/qualifiers/code-lists structure is distributed by DISA via proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.