Permitted delay of wire transfers.

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  • (1) This section applies to a wire transfer that transfers money from a consumer account at a covered financial institution.
  • (2) If a qualified individual reasonably believes that executing a requested wire transfer will result in financial exploitation, the covered financial institution may:
    • (a) delay the wire transfer; and
    • (b) contact:
      • (i) a law enforcement agency;
      • (ii) Adult Protective Services; or
      • (iii) a joint co-owner on the account.
  • (3) The delay of a wire transfer described in Subsection (2) expires when the earlier of the following occurs:
    • (a) the covered financial institution reasonably determines that the wire transfer is not financial exploitation; or
    • (b) 15 business days pass after the day on which the covered financial institution first initiated the delay of the wire transfer.




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