Section 122 of the SECURE 2.0 Act of 2022 (31 U.S.C. 3105(f)) lets states receive savings bond owners' names and addresses from Treasury, and it became law on December 29, 2022. It covers only bonds more than 3 years past final maturity, and states may use the data only to locate owners.
The Unclaimed Savings Bond Act bills, which would have let states take title to bonds, were not enacted. Treasury's rule, 31 CFR 323.11 (89 FR 102735, December 18, 2024), adds a signed agreement and 3 limits on use; no state is publicly known to have an agreement as of November 11, 2026.
ClaimMyBonds is a private, independent guide, not Treasury or a state, and it cannot see the records states receive. This page is part of our savings bond lookup guide.
What SECURE 2.0 Section 122 Says About Savings Bonds
Section 122 of the SECURE 2.0 Act, "Assist States in Locating Owners of Applicable Savings Bonds," added subsection (f) to 31 U.S.C. 3105 and took effect December 29, 2022. The statute is 31 U.S.C. 3105, and the session law is Public Law 117-328, Division T, title I, section 122(a) (136 Stat. 5311).
SECURE 2.0 is mostly a retirement-plan law; section 122 is its only savings bond provision. It never mentions Treasury Hunt and does not allow escheat (a state taking ownership of property it presumes abandoned). The table reads subsection (f) paragraph by paragraph.
| Paragraph | What it says |
|---|---|
| (f)(1)(A) | Treasury "shall provide each State, in digital or other electronic form" the names and applicable addresses of the owner and any co-owner or beneficiary |
| (f)(1)(B) | The information "may include the serial number" |
| (f)(1)(C) | The applicable address is the registered address, or the last known address when Treasury has one |
| (f)(2) | Treasury writes rules within 12 months; the rules may not block the (f)(1)(A) data except to protect privacy or prevent fraud or misuse |
| (f)(3) | Reports go to the House and Senate Appropriations Committees, House Ways and Means and Senate Finance, for 5 years |
| (f)(4) | States use the data to locate owners under their abandoned property rules and Treasury's rules |
| (f)(5) | Treasury may publish what a state is allowed to publish |
| (f)(6) | Defines "applicable savings bond" |
Source: 31 U.S.C. 3105(f) (govinfo).
Which Bonds Count: The Applicable Savings Bond Test
An applicable savings bond is a paper bond, or an electronic bond with no or wrong bank details, that is more than 3 years past final maturity and has not been redeemed (31 U.S.C. 3105(f)(6); 31 CFR 323.11(a)).
Final maturity is when a bond stops earning interest: 40 years for Series E issued May 1941 to November 1965, 30 years for Series E issued December 1965 to June 1980 and for all Series EE, and 20 years for Series HH.
The clock starts at final maturity, so the test covers fewer bonds than the 103,064,737 matured unredeemed bonds (all series, September 30, 2026, Fiscal Data), which include bonds still inside the 3 years.
The 2023 report to Congress (February 12, 2024) puts bonds unredeemed and 3 or more years past final maturity at about 1% of all paper savings bonds ever issued. Searchers call such bonds unclaimed savings bonds.
The table shows when sample $100 bonds pass the test, with values for redemption month November 2026.
| Bond | Final maturity | Applicable after | Value in November 2026 |
|---|---|---|---|
| $100 Series E savings bonds, November 1965 | November 1, 2005 | November 1, 2008 | $736.12 |
| $100 Series E, December 1965 | December 1, 1995 | December 1, 1998 | $512.48 |
| $100 Series EE savings bonds, January 1985 | January 1, 2015 | January 1, 2018 | $230.64 |
| $100 Series EE, January 1990 | January 1, 2020 | January 1, 2023 | $207.36 |
| $100 Series EE, December 1993 | December 1, 2023 | December 1, 2026 | $164.12 |
| $100 Series EE, November 1996 | November 1, 2026 | November 1, 2029 | $128.64 |
| Series HH savings bonds, any issue | By August 1, 2024 | By August 1, 2027 at the latest | Face value |
Every bond here has stopped earning interest. Series HH bonds are worth face value and are not in the Value Files. Source: Fiscal Data, Savings Bonds Value Files, redemption month November 2026; 31 U.S.C. 3105(f)(6); 31 CFR 316.8(b).
What Treasury Must Share and What It May Share
Treasury must share 2 items and may share 1. The required items are the name and applicable address of the owner, and of any co-owner (a second named owner) or beneficiary (the person named to receive the bond at the owner's death).
The permitted item is the serial number, which the statute says the information "may include."
Treasury's rules may not block the required data except to protect privacy or prevent fraud or misuse. Under (f)(5), Treasury may publish any information that a state may publish.
What States Can Receive From Treasury Under 31 CFR 323.11
Under 31 CFR 323.11, a state receives the full registered name and the registered or last known address of each owner, co-owner and beneficiary of an applicable savings bond, and no Social Security number, denomination or serial number (89 FR 102735).
The rule is the Fiscal Service final rule "Disclosure of Records", effective December 18, 2024 (docket FISCAL-2023-0002). The proposed rule appeared at 88 FR 74386 on October 31, 2023, and drew 14 comments.
Subpart B of 31 CFR part 323 holds 323.10 (purpose), 323.11 (the rules) and 323.12 (severability). The table lists what a state gets and what it does not.
| Item | Shared with a state? | Source |
|---|---|---|
| Full registered name of owner, co-owner, beneficiary | Yes | 323.11(a) |
| Registered address | Yes | 323.11(a) |
| Last known address, if found after a reasonable search | Yes, replaces the registered address | 323.11(a) |
| Social Security number | No | 89 FR 102735 |
| Denomination | No | 89 FR 102735 |
| Serial number | No, although the statute allows it | 89 FR 102735 |
| Bond value | Not shared | 323.11(a) (not among the items shared); 89 FR 102735 (no denominations) |
| Bond less than 3 years past final maturity, or not matured | No | 3105(f)(6) |
Source: 31 CFR 323.11 (eCFR); 89 FR 102735.
The Information-Sharing Agreement a State Signs First
A state gets records only on request, after an authorized representative signs an information-sharing agreement with the Bureau of the Fiscal Service on its form (31 CFR 323.11(b)).
In the rule, "State" means the fifty States, the District of Columbia, Puerto Rico and 7 other territories and freely associated states, and only a state may make the request.
On December 17, 2025, Sen. John Kennedy said on the Senate floor that states must sign user agreements with Treasury before data is sent (Congressional Record S8823). That is a statement, not a list of signed agreements.
Why Treasury Withholds Serial Numbers, Social Security Numbers and Denominations
Treasury withheld serial numbers, although 31 U.S.C. 3105(f)(1)(B) allowed them, because serial numbers and Social Security numbers are the 2 items most likely to facilitate fraud (89 FR 102735).
The 2023 report counts over $40 million in counterfeit redemptions since the start of 2021, and the 2024 report (March 11, 2025) records at least $50 million in known fraud as of September 2024.
A state letter therefore cannot tell you a bond's value or serial number. A lost bond claim made 6 or more years after final maturity needs the serial number (31 CFR 315.29(c), 353.29(c)), so you supply the savings bond serial number yourself.
What States Cannot Do With Treasury's Savings Bond Records: 3 Limits
States cannot do 3 things with savings bond records from Treasury, and 31 CFR 323.11(c)(1) to (3) names each one, as listed below.
- Other uses (323.11(c)(1)): a state must use the records only to locate the owner of an applicable savings bond.
- Escheat (323.11(c)(2)): a state must not use the records to escheat ownership of the bond to the state.
- Release (323.11(c)(3)): a state must not release the records to the public or any third party unless Treasury approves in writing, in advance.
Treasury is not liable for what a state does with the records, and the state indemnifies (repays) Treasury (323.11(d)). SECURE 2.0 grants no federal funding for state locator services, and states do not pay claims: redemption stays with Fiscal Service and paying agents, the eligible financial institutions that cash bonds (89 FR 102735).
Why SECURE 2.0 Does Not Let States Take Title to Savings Bonds
No: SECURE 2.0 did not override the federal rule that states cannot escheat savings bonds they do not possess (89 FR 102735). In LaTurner v. United States, 933 F.3d 1354 (August 13, 2019), the Federal Circuit held that federal law preempts state escheat laws; the Supreme Court denied review on October 5, 2020.
A state that physically holds a paper bond can still be paid for it under 31 CFR 315.88 and 353.88, at Treasury's discretion (80 FR 80258, effective December 24, 2015). Our guide to savings bonds and state unclaimed property offices covers the possession rule.
The Unclaimed Savings Bond Act: Bills That Were Not Enacted
The Unclaimed Savings Bond Act is the name of 4 bills introduced in 2019 and 2021 that were not enacted; only their data-sharing core passed, as section 122 of SECURE 2.0.
The 2021 bills would have let states obtain title to bonds through a judgment of escheatment. They stalled in the House Ways and Means Committee and the Senate Finance Committee, and the title-escheat language was removed in SECURE 2.0 (89 FR 102735 preamble).
| Bill | Congress and sponsor | Introduced | Outcome |
|---|---|---|---|
| S. 2417 | 116th, Sen. John Kennedy | August 1, 2019 | Not enacted |
| H.R. 5269 | 116th, Rep. Ron Estes | November 26, 2019 | Not enacted |
| H.R. 4085 | 117th, Rep. Ron Estes | June 23, 2021 | Referred to Ways and Means, not enacted |
| S. 2854 | 117th, Sen. John Kennedy | September 27, 2021 | Referred to Finance, not enacted |
| SECURE 2.0 section 122 | Pub. L. 117-328 | Enacted December 29, 2022 | Data sharing only, no title escheat |
Source: govinfo; 89 FR 102735 preamble.
Press releases from a senator's office and a state treasurer's office say the Act became law, but only its data-sharing part was enacted. No new Unclaimed Savings Bond Act bill was found in the 119th Congress as of November 11, 2026.
In a release of July 17, 2026, the Mississippi State Treasurer says that earlier that month he joined "dozens of state financial officers" in urging the President to issue an executive order on matured unredeemed savings bonds.
Where Savings Bond Data Sharing With States Stands in November 2026
As of November 11, 2026, no Treasury or state source names a state with a signed information-sharing agreement. The statute, the rule and a Privacy Act routine use (applicable from June 10, 2026) are in place.
A routine use is a category of disclosure listed in a Privacy Act notice. Routine use 24 of the Fiscal Service system United States Securities and Access (91 FR 25777, May 11, 2026) covers "States, for the purpose of providing the states with information necessary or useful to assist the U.S. Treasury in locating the owner(s) or beneficiaries of, or their heir(s) or successor(s) in interest to, applicable securities."
News coverage says bond records have moved to state unclaimed property databases, but we found no primary source, and 31 CFR 323.11(c)(3) bars public release without Treasury's written approval.
| Date | Event | Instrument |
|---|---|---|
| December 29, 2022 | Section 122 enacted, effective that day | Pub. L. 117-328 |
| October 31, 2023 | Proposed rule | 88 FR 74386 |
| February 12, 2024 | First report to Congress | 2023 report |
| December 18, 2024 | Final rule effective | 89 FR 102735 |
| March 11, 2025 | Second report to Congress | 2024 report |
| September 30, 2025 | Treasury Hunt no longer available (separate from section 122) | TreasuryDirect |
| May 11, 2026 | Privacy Act notice published | 91 FR 25777 |
| June 10, 2026 | Routine use 24 applicable | 91 FR 25777 |
| November 11, 2026 | No state agreement publicly known; no 2025 report found | Checked by us |
Source: Federal Register; govinfo; TreasuryDirect.
Treasury's Reports to Congress Under 31 U.S.C. 3105(f)(3)
Section 3105(f)(3) requires a report within 12 months of enactment and yearly for 5 years; as of November 11, 2026 the 2023 and 2024 reports are published and no 2025 report was found. Both are on TreasuryDirect.
The 2024 report says Treasury's records of matured unredeemed bonds are digitized back to October 1957, covering 97% of them. Department of Veterans Affairs matches sent over 845,000 letters from 2022 to 2024, and over 764,000 bonds worth more than $304 million were redeemed. Those are outreach results.
What SECURE 2.0 Means for Savings Bond Owners and Heirs: 4 Situations
SECURE 2.0 changes nothing about how you claim: owners and heirs claim matured bonds from Treasury, free, whether or not a state contacts them. Four situations set the route.
- Cash a paper bond at a paying-agent bank, which may but is not required to cash it (FS Publication 0022), or by mail with FS Form 1522 (Rev. April 2026).
- Claim a lost, stolen or destroyed bond with FS Form 1048 (Rev. March 2026), adding the serial number when final maturity was 6 or more years ago.
- Claim a deceased owner's bonds as the surviving owner, or through the estate if no owner survives, as described in savings bonds after death.
- Claim from a state only a paper bond it holds, as explained in what states can and cannot do.
If a State Contacts You About a Savings Bond
Treat a state letter as a pointer, not a payment: a state cannot pay a bond it does not hold. Check the letter against the state's own unclaimed property website. Treasury pays only the owner or the person entitled, and Treasury Retail Securities Services states that it charges no fees and offers no gifts.
ClaimMyBonds also offers paid help after a state contacts you about savings bonds, always after the free route above.
SECURE 2.0 and the Other Ways to Find Savings Bonds
SECURE 2.0 is one of 4 ways an owner may hear about a bond: state outreach under section 122, Treasury claim forms, state-held paper bonds and private finders (who have no access to Treasury's records). Our savings bond lookup guide covers every route.
Treasury Hunt Closed Separately From SECURE 2.0
Treasury Hunt closed on September 30, 2025. TreasuryDirect's notice reads "As of September 30, 2025, the Treasury Hunt® tool is no longer available" and gives no reason. Why Treasury Hunt is closed is separate from SECURE 2.0.
Paper Bonds a State Already Holds
A state pays a savings bond only if it holds the paper bond. Missouri runs the only verified state name search for held paper bonds (checked November 11, 2026); see Missouri unclaimed savings bonds.
Finders Who Claim to Have "Treasury's List"
No private finder or savings bond recovery service, ClaimMyBonds included, can obtain the records states receive, because 31 CFR 323.11(c)(3) bars release without Treasury's advance written approval. The same holds for every one of the savings bond recovery services you may see advertised.
SECURE 2.0 Savings Bonds FAQ
Is the Unclaimed Savings Bond Act Law?
No. The 4 bills of 2019 and 2021 were not enacted; the data-sharing part became section 122 of SECURE 2.0 on December 29, 2022.
Did SECURE 2.0 Shut Down Treasury Hunt?
No. 31 U.S.C. 3105(f) does not mention Treasury Hunt, and TreasuryDirect gives only the closing date, September 30, 2025.
Can You Search the Records States Receive by Name?
No. 31 CFR 323.11(c)(3) bars states from publishing the records without Treasury's approval. A site offering such a search is a warning sign of savings bond scams.
Does SECURE 2.0 Change When Savings Bonds Expire?
No. Bonds never expire and have no redemption deadline, though they stop earning interest at final maturity; the 3-year mark only decides which records are shared. See when savings bonds mature for each series.
Is SECURE 2.0 About Retirement Accounts or Savings Bonds?
Both, in different parts. SECURE 2.0 is mostly a retirement-plan law, and section 122 is its only savings bond provision and the only part this site covers.
How Do I Know if I Have an Unclaimed Savings Bond?
Check your own and a relative's papers, then claim a missing bond with FS Form 1048 (Rev. March 2026); there has been no public name search of Treasury's records since September 30, 2025. Our guide to unclaimed savings bonds explains the routes.
Rules checked November 11, 2026; see our methodology.