Banking; accounts of deceased spouse; required documentation; record keeping; effective date.

HB 1517 allows banks to permit surviving spouses to take control of a deceased spouse's checking or savings accounts, but only after verifying identity with a death certificate listing the spouse and two forms of government ID (including photo ID). Banks must keep digital copies of these documents for 10 years. The law applies to all Oklahoma banking institutions and takes effect November 1, 2025. It directly affects surviving spouses seeking access to accounts without probate.