`docs/01-regulatory-state-acquisition-matrix.md`

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# Regulatory & State Data-Acquisition Matrix

**Production rule for every jurisdiction:** negotiate a **direct authorized feed** first;
evaluate a **public-records bulk request** second; use the **public portal for claim
handoff** rather than unattended extraction. The official NAUPA directory identifies a
consumer search resource for all 50 states + DC but does **not** advertise open national
bulk APIs — so "no public bulk API established by directory" is the default status.

## Access method codes

| Code | Meaning |
|---|---|
| `direct_feed` | Authorized full + incremental files over MFT / object storage / private API |
| `records_request` | Bulk data under public-records law; reviewed for use, redistribution, retention, privacy |
| `public_handoff` | Platform searches authorized data or shows a state-approved link; claim completed on the state portal |

## Recommended production method (uniform)

`direct_feed` → `records_request` (fallback) → `public_handoff` (claim completion).

## 50 states + DC

Every row's recommended method is identical (feed → records-request → handoff); the
per-state differences that matter are captured in the machine-readable
`jurisdictions.json` below (portal name, restrictive-disclosure flags, finder-fee cap).

| Jurisdiction | Official portal (public source) | Notable legal note |
|---|---|---|
| Alabama | AL Treasury unclaimed property | — |
| Alaska | AK Treasury program | — |
| Arizona | AZ Dept of Revenue | — |
| Arkansas | ClaimItAR (Auditor of State) | — |
| California | CA State Controller | Field-level legal review before any records request; investigator agreements ~10% cap |
| Colorado | Great Colorado Payback | — |
| Connecticut | CT Big List | — |
| Delaware | DE Office of Unclaimed Property | Aggressive holder-audit state; treat data terms carefully |
| District of Columbia | DC Office of Unclaimed Property | Use DC records request as fallback |
| Florida | FL Treasure Hunt | Recovery agreements ≤30%, professional requirements |
| Georgia | GA Dept of Revenue | — |
| Hawaii | HI Budget & Finance | — |
| Idaho | Your Money Idaho | — |
| Illinois | IL Treasurer I-Cash | Finders regulated; covered fees ~10% cap |
| Indiana | IN Unclaimed Property (AG) | — |
| Iowa | Great Iowa Treasure Hunt | — |
| Kansas | KS Treasurer | — |
| Kentucky | KY Treasury | — |
| Louisiana | LA Treasury / LaCashClaim | — |
| Maine | ME Treasurer | — |
| Maryland | MD Comptroller | — |
| Massachusetts | Find Mass Money | — |
| Michigan | MI Treasury | — |
| Minnesota | MN Commerce | — |
| Mississippi | MS Treasury | — |
| Missouri | MO Treasurer | — |
| Montana | MT Dept of Revenue | — |
| Nebraska | Nebraska Lost Cash | — |
| Nevada | NV Unclaimed Property | — |
| New Hampshire | NH unclaimed property | — |
| New Jersey | NJ Treasury | — |
| New Mexico | NM Taxation & Revenue | — |
| New York | NY Office of the State Comptroller | Records request subject to NY disclosure rules; paid location arrangements restricted |
| North Carolina | NCCash | — |
| North Dakota | ND Unclaimed Property | — |
| Ohio | OH Dept of Commerce | — |
| Oklahoma | OK Treasurer | — |
| Oregon | OR Unclaimed Property | — |
| Pennsylvania | PA Treasury | — |
| Rhode Island | Find RI Money | — |
| South Carolina | SC Treasurer | — |
| South Dakota | SD unclaimed property | — |
| Tennessee | ClaimItTN | — |
| Texas | ClaimItTexas / TX Comptroller | Finder fees ≤10% |
| Utah | MyCash Utah | — |
| Vermont | VT Treasurer | — |
| Virginia | Virginia Money Search | — |
| Washington | WA Dept of Revenue | — |
| West Virginia | WV Treasurer | — |
| Wisconsin | WI Dept of Revenue | — |
| Wyoming | WY Treasurer | — |

Puerto Rico and other NAUPA-listed jurisdictions are added after the 50-state + DC
rollout, modeled as separate jurisdictions (own languages, IDs, addresses, claim rules).

## Privacy / data-broker posture

Design as if handling sensitive regulated data even when a government-record exemption
could apply: data minimization, purpose limitation, per-state field controls, documented
retention, consumer privacy-request handling, strict limits on enrichment, no sale of
claimant search activity. Track CA (data-broker registration + DROP deletion, 2026
schedule) and TX (data-broker registration + safeguards) applicability per launch state.