Billions on forgotten accounts: Government is planning access for social issues!
Billions on forgotten accounts: Government is planning access for social issues!
Deutschland - The federal government plans to access "abandoned" bank accounts, which are often referred to as "newsless accounts". These accounts that have not been moving for years could be used for social purposes. It is estimated that there are between two and nine billion euros on these unused accounts that often arise when account holders have died without reporting, reports Ruhr24.
In the coalition agreement between the Union and the SPD, it is stated that the money should flow into a state fund for social investments. Based on the British model, where forgotten funds are used for social purposes after 15 years, the German government is planning a first step in which it wants to create legal framework for the classification of newsless accounts. describes this as a new direction in German financial policy.
Legal challenges and property claims
The German Banking Association expresses concerns about the government's plans, since there is a lack of clear legal requirements when an account should be considered unclear. There is currently no legal regulation that defines the duration of which such a classification takes place without an account movement. Implementation questions remain open, for example whether this should happen after five, ten or twenty years. Thorsten Höche, chief legal association of the banking association, also emphasizes the legal hurdles that could occur in the event of an intervention in the ownership rights of living account holders. Uncertainties .
According to the current legal situation, the state in which the deceased was recently resident inherits the heirs. If the state does not assert the inheritance claims within 30 years, the assets will expire to the banks. Such regulations raise questions about fairness and transparency, especially if account holders lived whose funds are affected.
outlook and next steps
The Federal Government intends to introduce a legal definition for newsless accounts and to set up a central registration register. So far, however, there is only a declaration of intent in the coalition agreement, so that a concrete law is still in development. Ruhr24 the deadline for feeding the funds into the new fund is still unclear. This debate will result in further legal and socio -political discussions, while the government is trying to find a legally durable and socially responsible way.
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