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X12 transaction guide · Government and regulatory

EDI 103 Abandoned Property Filings

The X12 document used to report abandoned property, such as uncashed checks or dormant account balances, to government agencies.

Sent by
Holder of the property, such as a bank or company
Received by
State unclaimed property agency
Standard
ANSI ASC X12

What is an EDI 103?

The EDI 103 Abandoned Property Filings is the ANSI X12 transaction set used to report abandoned property filing information, such as uncashed checks or abandoned bank account balances, to government agencies. Agencies may also use it in exchanges among themselves.

When property such as a dormant account or an uncashed payroll check goes unclaimed for the period set by law, the holder must report it and turn it over to the state, which holds it for the owner. Holders with many items across states file electronically, listing each owner and amount.

How the EDI 103 worksDiagram of the EDI 103 Abandoned Property Filings. Holder of the property, such as a bank or company sends it to state unclaimed property agency. It usually starts the exchange. It is usually followed by 997. Inside the ISA, GS and ST envelopes, X12 release 008010 requires, in the heading: BGN (Beginning Segment) and detail: the required N1 loop with N1 (Party Identification) and the required LX loop with LX (Transaction Set Line Number) and BLN (Balance Information). 4 optional loops are listed by their first segment.How the EDI 103 worksAbandoned Property Filings: who sends it, where it fits and what the standard marks required1 WHERE IT FITSUSUALLY FOLLOWSStarts the exchangeEDI 103SENDERHolder of the property,such as a bank orcompanyRECEIVERState unclaimedproperty agency997 or 999 acknowledgment back, if the partners agreeUSUALLY FOLLOWED BY997FunctionalAcknowledgment2 WHAT X12 RELEASE 008010 REQUIRESInterchange: sender and receiver IDsISA … IEAFunctional group, ID code ABGS … GETransaction set 103ST … SEHEADINGBGNBeginning Segment+ 1 optional loop, starting with:NM1DETAILRequired loop N1 · repeats many timesN1Party IdentificationRequired loop LX · repeats many timesLXTransaction Set Line NumberBLNBalance Information+ 3 optional loops, starting with:PERSHINM1Blue box: required loop. Optional loops are listed by the segment that starts them; when a loop is used, that first segment is required. Optional segmentsoutside loops are not drawn.Structure: required segments and loops in the X12 008010 listing for the 103. Your trading partner's implementation guide adds its own requirements.
How the EDI 103 worksDiagram of the EDI 103 Abandoned Property Filings. Holder of the property, such as a bank or company sends it to state unclaimed property agency. It usually starts the exchange. It is usually followed by 997. Inside the ISA, GS and ST envelopes, X12 release 008010 requires, in the heading: BGN (Beginning Segment) and detail: the required N1 loop with N1 (Party Identification) and the required LX loop with LX (Transaction Set Line Number) and BLN (Balance Information). 4 optional loops are listed by their first segment.How the EDI 103 worksAbandoned Property Filings: who sends it,where it fits and what the standard marksrequired1 WHERE IT FITSUSUALLY FOLLOWSStarts the exchangeEDI 103SENDERHolder of theproperty, suchas a bank orcompanyRECEIVERState unclaimedproperty agency997 or 999 acknowledgment back, if the partnersagreeUSUALLY FOLLOWED BY997Functional Acknowledgment2 WHAT X12 RELEASE 008010 REQUIRESInterchange: sender and receiver IDs (ISA… IEA)Functional group, ID code AB (GS … GE)Transaction set 103 (ST … SE)HEADINGBGNBeginning Segment+ 1 optional loop, starting with:NM1DETAILRequired loop N1 · repeats manytimesN1Party IdentificationRequired loop LX · repeatsmany timesLXTransaction Set LineNumberBLNBalance Information+ 3 optional loops, starting with:PERSHINM1Blue box: required loop. Optional loops are listedby the segment that starts them; when a loop isused, that first segment is required. Optionalsegments outside loops are not drawn.Structure: required segments and loops in the X12008010 listing for the 103. Your trading partner'simplementation guide adds its own requirements.

How to read this diagram: the top row shows who sends the 103, to whom, and which documents usually come before and after it. The lower part shows what X12 release 008010 itself requires: the envelopes around the 103 and the segments and loops the standard marks as required, area by area. Optional loops are listed by the segment that starts them rather than drawn in full. This is the standard's minimum, not a trading partner's requirement: each partner's implementation guide usually makes some optional loops mandatory, restricts the codes and may use a different release.

Expand diagram Download SVG

When it is used

  • Filing annual unclaimed property reports
  • Reporting dormant bank accounts
  • Reporting uncashed checks and credits

Where it fits in the document flow

This document 103 Abandoned Property Filings
Usually followed by 997 Functional Acknowledgment

Structure

Mandatory segments in the 103 (X12 release 008010)

The segments X12 release 008010 marks as mandatory at their level, in order. Segments inside optional loops are needed only when the loop is used. This is the standard's requirement, not your trading partner's: each partner's implementation guide names the release it uses, adds the optional segments it requires and restricts the values. The requirement status comes from one published X12 reference listing and has not been checked against a second source.

  • ST
  • BGN
  • NM1
  • N1
  • PER
  • LX
  • BLN
  • SHI
  • SE

Practical example

The 103 in practice

A bank completes its annual review of dormant accounts. For each state, it files a 103 listing the owners, last known addresses, account types and balances that have passed the dormancy period, and remits the funds. The state records the property so owners can claim it.

Implementation

Implementation considerations for the 103

  • Follow each state's dormancy periods and reporting format.
  • Perform required due diligence notices before reporting.
  • Reconcile reported amounts with remittances.
  • Protect owners' personal data under applicable law.

How ECOM helps

Automate the 103 with ECOM

Industry

Financial Services

Secure file transfer and B2B integration for banks and financial institutions.

Solution

Financial Document Automation

Automate invoices, remittances, payment files and bank statements from capture to posting.

Solution

EDI Integration

Exchange X12 and EDIFACT documents with partners and integrate them directly with your ERP.

More general questions about EDI are answered in the EDI FAQ.

Related transactions

Related government and regulatory documents

All 29 government and regulatory documents

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