Banks Can Freeze Your Money for 25 Days — Seniors Over 65 Need to Know This

There's a federal rule that lets your bank freeze your own money for up to 25 business days after you turn 65 — no crime, no debt, just a "reasonable belief" that something looks suspicious. Most seniors don't know it exists until it happens to them. In this video, one at a time with a specific action step for each: - Exactly what FINRA Rule 2165 says and how the 15+10 day hold works - The Senior Safe Act 2018 and why banks got this power - What a hold actually looks like day-by-day when it happens to you - The Trusted Contact Person (FINRA Rule 4512) — the ONE form that stops most holds before they start - What to do if a hold is placed on your account (documentation, appeals, regulators) - Why 2026 has more aggressive holds, not fewer (Minnesota, Florida law updates) - The diminished capacity angle nobody talks about All rules verified against FINRA, ABA, and Senior Safe Act text. Educational only — not personalized legal or financial advice. Rules vary by state and institution; verify your case with your bank or an attorney. 🔔 Subscribe — we break down exactly what the rules actually say, one real number at a time, so you're never caught off guard.