MT HB164

Adds "payroll card" as a defined term under the Uniform Unclaimed Property Act, referencing federal Regulation E (12 CFR, part 1005), and includes payroll cards among property types subject to abandonment rules with a 5-year presumption period

Expands the list of actions that demonstrate an apparent owner's interest in property, including oral communications (if recorded), account access, deposits/withdrawals, and any action reasonably showing the owner knows the property exists

Adds natural gas cooperatives to the existing exemption for rural electric and telephone cooperatives regarding unclaimed patronage refunds used for educational purposes

Allows holders to send required abandonment notices via electronic mail (rather than only first-class mail) if the apparent owner has consented to receive electronic communications from the holder

Requires electronic mail notices to include a specific heading warning that property may be transferred to Montana's Unclaimed Property Program if the owner does not respond within 30 days