When sufficient funds remain in the account, the foreign FI releases them as a returned
payment. Local laws may first require the FI to contact the executor of the beneficiary's
estate, the joint account holders, or the beneficiary's surviving family members.
For information about Mexican banking law that affects IDD reclamations, see GN 02408.930B – Process for incorrect payments to Mexico.
After the FI releases the incorrect payment(s) to the Federal Benefits Unit (FBU),
the FBU then issues a receipt to the remitter and routes the money to the trust funds
through its procedures for returned overpayments.
When there are insufficient funds, the bank may ask the executor or a family member
to redeposit the money for the FI to return.