{
  "legislationId": "119_HR_8338",
  "lastUpdate": "2026-04-22T11:18:08.761Z",
  "history": [
    {
      "timestamp": "2026-04-22T11:18:08.761Z",
      "source_url": "https://www.congress.gov/119/bills/hr8338/BILLS-119hr8338ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8338 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8338 To prevent the premature seizure of an individual's securities, digital assets, or investment accounts in the custody of a financial institution under State escheatment laws, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 16, 2026 Mr. Liccardo (for himself and Mr. Lawler) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To prevent the premature seizure of an individual's securities, digital assets, or investment accounts in the custody of a financial institution under State escheatment laws, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Safeguarding Americans' Fairly Earned Retirement Act of 2026'' or the ``SAFER Act of 2026''. SEC. 2. ESCHEATMENT OF CERTAIN SECURITIES, DIGITAL ASSETS, OR INVESTMENT ACCOUNTS HELD BY CUSTODIANS. (a) In General.--With respect to any covered asset that is directly held or beneficially owned by a person or entity and custodied by a financial institution, the financial institution may not yield custody of the covered asset, any proceeds from the sale of the covered asset, or a payment related to the covered asset (such as a dividend, principal payment, fork, or airdrop) pursuant to a State unclaimed property law, regulation, or administrative action or other means of escheatment, unless-- (1) in the case of a covered asset directly held or beneficially owned by a natural person-- (A) the financial institution receives confirmation of the natural person's death at least 3 years before yielding custody; (B) no fiduciary appointed to represent the estate of the natural person has made an expression of interest in such asset, proceeds, or payment for at least 3 years before yielding custody; and (C) in the case of an asset, proceeds, or a payment where another natural person has an ownership interest, the financial institution receives confirmation of the other natural persons's death; or (2) in the case of a covered asset directly held or beneficially owned by a person or entity other than a natural person, the financial institution has no record of contact with a representative of the person or entity for at least 5 years. (b) Checking of Certain Inactive Accounts.-- (1) In general.--In the case of a covered asset described in subsection (a) that is directly held or beneficially owned by a natural person who has attained retirement age and custodied by a financial institution, at the end of the 5-year period beginning on the date that the financial institution last has a record of contact with the natural person (or a representative thereof), and every five years thereafter, the financial institution shall conduct a comparison of its records with a State or Federal Government database of deaths to identify whether the natural person is deceased. (2) Retirement age defined.--In this subsection and with respect to a natural person, the term ``retirement age'' means the applicable age, as defined in section 401(a)(9)(C)(v) of the Internal Revenue Code of 1986. (c) Death Determination.--For purposes of this section, a financial institution may confirm the death of a natural person if-- (1) the financial institution obtains a death certificate for the natural person; or (2) the financial institution obtains such other legal documents as the institution determines sufficient to confirm the death of the natural person. (d) Preemption.--This section preempts any State law, regulation, ordinance, or other provision that requires a financial institution to remit, escheat, yield custody, or otherwise transfer any asset, security, or investment account to a State or local government in any manner that conflicts with this section. (e) Sense of Congress.--It is the sense of Congress that-- (1) this section does not preempt any State law, regulation, ordinance, or other provision requiring communication between the State and a financial institution or a person or entity that directly holds or beneficially owns a covered asset; and (2) this section does not prevent an owner of a covered asset from seeking remedies through State or Federal law for mishandling or improper escheatment of a covered asset. (f) Definitions.--In this section: (1) Covered asset.--The term ``covered asset''-- (A) means any-- (i) security; (ii) digital asset; or (iii) investment account; and (B) does not include an employee benefit plan subject to title I of the Employee Retirement Income Security Act of 1974. (2) Digital asset.--The term ``digital asset'' means any digital representation of value which is recorded on a cryptographically-secured distributed ledger or other similar technology. (3) Employee benefit plan.--The term ``employee benefit plan'' has the meaning given that term under section 3(3) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(3)). (4) Financial institution.--The term ``financial institution''-- (A) has the meaning given that term under section 5312 of title 31, United States Code; and (B) includes any-- (i) national bank; (ii) transfer agent; or (iii) centralized digital asset exchange. (5) Investment account.--The term ``investment account'' means an account, including a retirement account, that can be used to hold, manage, buy, sell, or trade a digital asset or security. (6) Security.--The term ``security'' has the meaning given that term under section 3 of the Securities Exchange Act of 1934 (15 U.S.C. 78c). (7) State.--The term ``State'' means each of the several States, the District of Columbia, and each territory or possession of the United States. (g) Rule of Application.--This section shall apply to a covered asset, proceeds from the sale of a covered asset, and a payment related to a covered asset-- (1) that is held or beneficially owned by a person or entity on or after the date of enactment of this Act; and (2) the custody of which has not been yielded pursuant to a State unclaimed property law, regulation, or administrative action or other means of escheatment as of the date of enactment of this Act. <all>\n\nSUMMARY TO EVALUATE:\nTitle: SAFER Act of 2026: Protecting Securities and Digital Assets from Premature State Seizure\nSummary: This act prevents states from prematurely taking ownership of your stocks, crypto, and investment accounts under unclaimed property laws. It ensures that financial institutions keep your assets safe until specific conditions, like confirmed death and a waiting period, are met.\nKey Points: Prevents states from seizing assets until at least 3 years after a person's death is officially confirmed., Requires financial institutions to check death records for inactive retirement-age accounts every 5 years., Covers a wide range of assets, including stocks, investment accounts, and digital assets like cryptocurrency., Federal rules will override any state laws that try to claim these assets sooner or under different conditions.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-22T11:13:55.341Z",
      "source_url": "https://www.congress.gov/119/bills/hr8338/BILLS-119hr8338ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8338 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8338 To prevent the premature seizure of an individual's securities, digital assets, or investment accounts in the custody of a financial institution under State escheatment laws, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 16, 2026 Mr. Liccardo (for himself and Mr. Lawler) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To prevent the premature seizure of an individual's securities, digital assets, or investment accounts in the custody of a financial institution under State escheatment laws, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Safeguarding Americans' Fairly Earned Retirement Act of 2026'' or the ``SAFER Act of 2026''. SEC. 2. ESCHEATMENT OF CERTAIN SECURITIES, DIGITAL ASSETS, OR INVESTMENT ACCOUNTS HELD BY CUSTODIANS. (a) In General.--With respect to any covered asset that is directly held or beneficially owned by a person or entity and custodied by a financial institution, the financial institution may not yield custody of the covered asset, any proceeds from the sale of the covered asset, or a payment related to the covered asset (such as a dividend, principal payment, fork, or airdrop) pursuant to a State unclaimed property law, regulation, or administrative action or other means of escheatment, unless-- (1) in the case of a covered asset directly held or beneficially owned by a natural person-- (A) the financial institution receives confirmation of the natural person's death at least 3 years before yielding custody; (B) no fiduciary appointed to represent the estate of the natural person has made an expression of interest in such asset, proceeds, or payment for at least 3 years before yielding custody; and (C) in the case of an asset, proceeds, or a payment where another natural person has an ownership interest, the financial institution receives confirmation of the other natural persons's death; or (2) in the case of a covered asset directly held or beneficially owned by a person or entity other than a natural person, the financial institution has no record of contact with a representative of the person or entity for at least 5 years. (b) Checking of Certain Inactive Accounts.-- (1) In general.--In the case of a covered asset described in subsection (a) that is directly held or beneficially owned by a natural person who has attained retirement age and custodied by a financial institution, at the end of the 5-year period beginning on the date that the financial institution last has a record of contact with the natural person (or a representative thereof), and every five years thereafter, the financial institution shall conduct a comparison of its records with a State or Federal Government database of deaths to identify whether the natural person is deceased. (2) Retirement age defined.--In this subsection and with respect to a natural person, the term ``retirement age'' means the applicable age, as defined in section 401(a)(9)(C)(v) of the Internal Revenue Code of 1986. (c) Death Determination.--For purposes of this section, a financial institution may confirm the death of a natural person if-- (1) the financial institution obtains a death certificate for the natural person; or (2) the financial institution obtains such other legal documents as the institution determines sufficient to confirm the death of the natural person. (d) Preemption.--This section preempts any State law, regulation, ordinance, or other provision that requires a financial institution to remit, escheat, yield custody, or otherwise transfer any asset, security, or investment account to a State or local government in any manner that conflicts with this section. (e) Sense of Congress.--It is the sense of Congress that-- (1) this section does not preempt any State law, regulation, ordinance, or other provision requiring communication between the State and a financial institution or a person or entity that directly holds or beneficially owns a covered asset; and (2) this section does not prevent an owner of a covered asset from seeking remedies through State or Federal law for mishandling or improper escheatment of a covered asset. (f) Definitions.--In this section: (1) Covered asset.--The term ``covered asset''-- (A) means any-- (i) security; (ii) digital asset; or (iii) investment account; and (B) does not include an employee benefit plan subject to title I of the Employee Retirement Income Security Act of 1974. (2) Digital asset.--The term ``digital asset'' means any digital representation of value which is recorded on a cryptographically-secured distributed ledger or other similar technology. (3) Employee benefit plan.--The term ``employee benefit plan'' has the meaning given that term under section 3(3) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(3)). (4) Financial institution.--The term ``financial institution''-- (A) has the meaning given that term under section 5312 of title 31, United States Code; and (B) includes any-- (i) national bank; (ii) transfer agent; or (iii) centralized digital asset exchange. (5) Investment account.--The term ``investment account'' means an account, including a retirement account, that can be used to hold, manage, buy, sell, or trade a digital asset or security. (6) Security.--The term ``security'' has the meaning given that term under section 3 of the Securities Exchange Act of 1934 (15 U.S.C. 78c). (7) State.--The term ``State'' means each of the several States, the District of Columbia, and each territory or possession of the United States. (g) Rule of Application.--This section shall apply to a covered asset, proceeds from the sale of a covered asset, and a payment related to a covered asset-- (1) that is held or beneficially owned by a person or entity on or after the date of enactment of this Act; and (2) the custody of which has not been yielded pursuant to a State unclaimed property law, regulation, or administrative action or other means of escheatment as of the date of enactment of this Act. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa SAFER 2026: Lepsza ochrona oszczędności i kryptowalut przed przejęciem przez państwo\",\n  \"pl_summary\": \"Ustawa chroni Twoje akcje, kryptowaluty i konta inwestycyjne przed zbyt szybkim przejęciem przez władze stanowe jako mienie porzucone. Wprowadza jasne zasady, według których banki mogą przekazać środki państwu dopiero po potwierdzonej śmierci właściciela lub długim okresie braku kontaktu.\",\n  \"pl_key_points\": [\n    \"Zakaz przejmowania majątku osób fizycznych przed upływem 3 lat od oficjalnego potwierdzenia ich śmierci.\",\n    \"Obowiązek regularnego sprawdzania przez banki baz danych zgonów w przypadku nieaktywnych kont osób w wieku emerytalnym.\",\n    \"Ochrona obejmuje szeroki wachlarz aktywów, w tym tradycyjne akcje, konta emerytalne oraz nowoczesne waluty cyfrowe (kryptowaluty).\",\n    \"Nowe przepisy federalne mają pierwszeństwo przed przepisami stanowymi, które pozwalałyby na szybsze przejęcie majątku.\"\n  ],\n  \"eng_ai_title\": \"SAFER Act of 2026: Protecting Securities and Digital Assets from Premature State Seizure\",\n  \"eng_summary\": \"This act prevents states from prematurely taking ownership of your stocks, crypto, and investment accounts under unclaimed property laws. It ensures that financial institutions keep your assets safe until specific conditions, like confirmed death and a waiting period, are met.\",\n  \"eng_key_points\": [\n    \"Prevents states from seizing assets until at least 3 years after a person's death is officially confirmed.\",\n    \"Requires financial institutions to check death records for inactive retirement-age accounts every 5 years.\",\n    \"Covers a wide range of assets, including stocks, investment accounts, and digital assets like cryptocurrency.\",\n    \"Federal rules will override any state laws that try to claim these assets sooner or under different conditions.\"\n  ],\n  \"de_ai_title\": \"SAFER Act 2026: Schutz von Wertpapieren und digitalen Vermögenswerten vor vorzeitiger staatlicher Einziehung\",\n  \"de_summary\": \"Dieses Gesetz verhindert, dass Bundesstaaten Ihre Aktien, Kryptowährungen und Anlagekonten vorzeitig als herrenloses Eigentum einziehen. Es legt strenge Fristen und Bedingungen fest, bevor Finanzinstitute Vermögenswerte an den Staat übertragen dürfen.\",\n  \"de_key_points\": [\n    \"Verbot der Übertragung von Vermögenswerten an den Staat bis mindestens 3 Jahre nach dem bestätigten Tod des Eigentümers.\",\n    \"Verpflichtung für Banken, bei inaktiven Konten von Rentnern alle 5 Jahre die Sterberegister zu prüfen.\",\n    \"Der Schutz gilt für traditionelle Wertpapiere, Anlagekonten und digitale Vermögenswerte wie Kryptowährungen.\",\n    \"Bundesrecht geht landesrechtlichen Regelungen vor, die eine schnellere Einziehung von Vermögen vorsehen würden.\"\n  ],\n  \"fr_ai_title\": \"Loi SAFER de 2026 : Protéger les titres et actifs numériques contre la saisie prématurée par l'État\",\n  \"fr_summary\": \"Cette loi empêche les États de s'approprier prématurément vos actions, cryptomonnaies et comptes d'investissement au titre des biens non réclamés. Elle garantit que vos actifs restent en sécurité jusqu'à ce que des conditions strictes, comme le décès confirmé, soient remplies.\",\n  \"fr_key_points\": [\n    \"Interdiction de transférer des actifs à l'État avant un délai de 3 ans après la confirmation officielle du décès du propriétaire.\",\n    \"Obligation pour les banques de consulter les registres de décès pour les comptes inactifs des retraités tous les 5 ans.\",\n    \"La protection couvre les titres traditionnels, les comptes d'investissement et les actifs numériques (cryptomonnaies).\",\n    \"Ces règles fédérales l'emportent sur les lois étatiques qui permettraient une saisie plus rapide des biens.\"\n  ],\n  \"es_ai_title\": \"Ley SAFER de 2026: Protección de valores y activos digitales contra la incautación estatal prematura\",\n  \"es_summary\": \"Esta ley evita que los estados se apropien prematuramente de sus acciones, criptomonedas y cuentas de inversión bajo las leyes de propiedad no reclamada. Asegura que sus activos permanezcan protegidos hasta que se cumplan condiciones específicas, como la confirmación del fallecimiento.\",\n  \"es_key_points\": [\n    \"Prohíbe a los estados confiscar activos hasta que pasen 3 años desde la confirmación oficial del fallecimiento del propietario.\",\n    \"Obliga a las instituciones financieras a revisar los registros de defunción para cuentas inactivas de jubilados cada 5 años.\",\n    \"Incluye una amplia gama de activos, desde acciones tradicionales hasta activos digitales como criptomonedas.\",\n    \"La normativa federal prevalecerá sobre las leyes estatales que intenten reclamar estos bienes antes de tiempo.\"\n  ],\n  \"it_ai_title\": \"Legge SAFER del 2026: Protezione di titoli e asset digitali dal sequestro statale prematuro\",\n  \"it_summary\": \"Questa legge impedisce agli Stati di appropriarsi prematuramente di azioni, criptovalute e conti di investimento come beni non reclamati. Garantisce che i risparmi rimangano protetti fino a quando non vengono soddisfatte condizioni rigorose, come il decesso confermato.\",\n  \"it_key_points\": [\n    \"Impedisce il trasferimento di beni allo Stato fino a 3 anni dopo la conferma ufficiale del decesso del proprietario.\",\n    \"Obbligo per le banche di controllare i registri dei decessi per i conti inattivi dei pensionati ogni 5 anni.\",\n    \"La protezione si estende ai titoli tradizionali, ai conti di investimento e ai nuovi asset digitali (criptovalute).\",\n    \"Le norme federali prevalgono sulle leggi statali che prevedono tempi più brevi per l'acquisizione dei beni.\"\n  ],\n  \"nl_ai_title\": \"SAFER Act van 2026: Bescherming van effecten en digitale activa tegen voortijdige inbeslagname door de staat\",\n  \"nl_summary\": \"Deze wet voorkomt dat staten uw aandelen, crypto en beleggingsrekeningen voortijdig opeisen als onbeheerde eigendommen. Het zorgt ervoor dat financiële instellingen uw bezittingen veilig bewaren totdat aan specifieke voorwaarden, zoals een bevestigd overlijden, is voldaan.\",\n  \"nl_key_points\": [\n    \"Verbiedt de staat om activa op te eisen tot minstens 3 jaar na de officiële bevestiging van het overlijden van de eigenaar.\",\n    \"Verplicht banken om bij inactieve rekeningen van gepensioneerden elke 5 jaar de overlijdensregisters te controleren.\",\n    \"Geldt voor zowel traditionele effecten en beleggingsrekeningen als digitale activa zoals cryptovaluta.\",\n    \"Federale regels gaan voor op staatswetten die een snellere inbeslagname van eigendommen mogelijk maken.\"\n  ],\n  \"pt_ai_title\": \"Lei SAFER de 2026: Proteção de valores mobiliários e ativos digitais contra a apreensão estatal prematura\",\n  \"pt_summary\": \"Esta lei impede que os estados se apropriem prematuramente das suas ações, criptomoedas e contas de investimento ao abrigo das leis de bens não reclamados. Garante que os seus ativos permaneçam seguros até que condições específicas, como a confirmação do óbito, sejam cumpridas.\",\n  \"pt_key_points\": [\n    \"Proíbe a transferência de ativos para o Estado até 3 anos após a confirmação oficial do falecimento do proprietário.\",\n    \"Obriga as instituições financeiras a verificar registos de óbito para contas inativas de reformados a cada 5 anos.\",\n    \"Abrange uma vasta gama de ativos, incluindo ações tradicionais, contas de investimento e ativos digitais como criptomoedas.\",\n    \"As regras federais prevalecem sobre as leis estaduais que permitam a apreensão mais rápida de bens.\"\n  ],\n  \"category\": [\"Economy\", \"Courts and Law\"]\n}"
    }
  ]
}