Oklahoma Code § 46-315

Title 46. Mortgages: Duties and liabilities of financial institutions
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A.  A financial institution shall not be required to:
1.  Designate an account as a home buyer savings account, or
designate the qualified beneficiaries of an account, in the
financial institution's account contracts or systems or in any other
way;
2.  Track the use of money withdrawn from a home buyer savings
account;

3.  Allocate funds in a home buyer savings account among joint
account holders or multiple qualified beneficiaries; or
4.  Report any information to the Oklahoma Tax Commission or any
other governmental agency that is not otherwise required by law.
B.  A financial institution is not responsible or liable for:
1.  Determining or ensuring that an account satisfies the
requirements to be a home buyer savings account;
2.  Determining or ensuring that funds in a home buyer savings
account are used for eligible costs; or
3.  Reporting or remitting taxes or penalties related to the use
of a home buyer savings account.
C.  Upon being furnished proof of the death of the account
holder and such other information required by the contract governing
the home buyer savings account, a financial institution shall
distribute the principal and accumulated interest or other income in
the account in accordance with the terms of the contract governing
the account.

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