Interactive Tool 01 · Multi-State Quantification
Multi-State Unclaimed Property Exposure & VDA Interest Waiver Estimator
Model gross vs. remediated VDA liability, Delaware 90-day Form VDA-1 cutoffs, missing-year statistical extrapolation risk, and Tier 1/Tier 2 B2B exemptions.
HAMILTON ROSS — EXECUTIVE SCOPING MEMORANDUM
Multi-State Unclaimed Property Exposure & VDA Interest Waiver Model (Prepared for CFO / Audit Committee Review)
Multi-State Unclaimed Property Exposure & VDA Interest Waiver Model (Prepared for CFO / Audit Committee Review)
Scenario Parameters
Gap years (Lookback minus Retained) trigger statistical extrapolation under audit.
Unmitigated Audit Exposure
$0
Gross ledger + extrapolation + statutory interest
Remediated VDA Net Principal
$0
After B2B scrubbing & void safe-harbor testing
Est. Interest & Scrub Savings
$0
Combined penalty waiver & remediation value
| Line Item | Audit / Cold-Filing Scenario | Remediated VDA / VCP Scenario |
|---|---|---|
| Gross Unadjusted Multi-Year Balances | $0 | Starts from same gross ledger |
| Gap-Year Statistical Extrapolation Risk (1.35x Uplift) | $0 | $0 (Net-remediated base modeling) |
| Tier 1 & Tier 2 B2B + Gift Card Statutory Exemptions | Often un-scrubbed in raw audit | -$0 |
| 90-Day Voided Check & Reissue Remediation (~18% AP) | Assessed unless proven | -$0 |
| Statutory Interest & Delinquency Penalties | $0 | $0 |
| Estimated Total Liability | $0 | $0 |
| Jurisdiction | B2B Treatment | Gross | Exempt | Net Est. | Interest |
|---|