How to Check If Someone Has Power of Attorney? Legal Steps, Public Records & Red Flags

When 79-year-old Margaret suffered a stroke, her granddaughter Emma rushed to the bankโ€”only to be told the durable Power of Attorney her grandfather had signed years earlier wasnโ€™t on record. Left in limbo, Emma had to jump through legal hoops just to access the funds needed for Margaretโ€™s medical care.

Situations like these highlight the critical importance of verifying whether someone has been legally appointed under a Power of Attorney (POA). This legal tool allows an appointed โ€œagentโ€ to make financial, legal, or healthcare decisions on behalf of another person (the โ€œprincipalโ€). But privacy laws, document misplacement, or state-specific rules can complicate the process of confirming a POAโ€™s existence.

How to Check If Someone Has a POA

To determine whether someone has been granted Power of Attorney:

  1. Ask the principal or their close contactsโ€”the simplest and fastest route.
  2. Review personal documents such as safes, digital storage, or legal files.
  3. Contact attorneys, financial institutions, or healthcare providers where POAs are commonly filed.
  4. Search public records (especially in the county clerkโ€™s office for financial or real estate POAs).
  5. Use formal channels like probate court or the IRSโ€™s Centralized Authorization File (CAF), particularly if fraud or misuse is suspected.

Be aware: Privacy laws like HIPAA and financial confidentiality regulations can limit access unless you have legal authority.

What Is a Power of Attorney?

A Power of Attorney (POA) is a legal document granting one person (the agent) the authority to act on behalf of another (the principal). This authority may cover financial decisions, healthcare, or legal matters.

According to the American Bar Association, agents typically must present the original or a certified copy of the POA document to third parties such as banks or medical institutions.

Types of POAs:

  • General POA: Broad powers over financial and legal affairs.
  • Durable POA: Remains valid even after the principal becomes incapacitated.
  • Springing POA: Activates only after a triggering event, such as medical incapacitation.
  • Healthcare POA: Allows decisions regarding medical care, often stored with providers.
  • Financial POA: Authorizes management of bank accounts, investments, or property.

All POAs are void upon the principalโ€™s death. At that point, an executor or court-appointed representative takes over.

Why You Might Need to Confirm a POA

  • Medical Emergencies: Critical decisions may be delayed if POA authority isn’t established.
  • Financial Transactions: Banks and title companies need valid documentation for agent access.
  • Fraud Prevention: Invalid or hidden POAs are a key tool in elder financial abuse.
  • Legal Protection: Acting without proper authority exposes you to lawsuits and fiduciary breaches.

Related article:
Durable Power of Attorney for Health Care, Why Itโ€™s Essential and How It Works

How to Check If Someone Has Power of Attorney? Legal Steps, Public Records & Red Flags

Step-by-Step Guide to Confirming a POA

Step 1: Ask the Principal and Trusted Contacts

If the principal is mentally capable, simply ask them or their lawyer. If unavailable, consult close family, caregivers, or anyone involved in estate planning.

Real Example: After her fatherโ€™s stroke, Maria discovered from her sister that he had named their lawyer as his POA agent.

Step 2: Search Personal and Digital Records

Check for:

  • Physical files (safes, filing cabinets)
  • Digital folders, cloud services, or email accounts
  • Legal packets that include wills or advance directives

Red Flags: Missing account statements, sudden changes to beneficiaries, or hidden property deeds.

Step 3: Contact Financial Institutions

Banks, credit unions, and brokerages often retain POAs if agents manage accounts.

  • What to Do: Submit a written request and proof of legal standing (e.g., court order or executor status).
  • Limitations: Banks may deny access without principal consent due to privacy laws like the Gramm-Leach-Bliley Act.

Step 4: Inquire with Healthcare Providers

Healthcare POAs may be stored with hospitals or physicians.

  • HIPAA Rules: If you’re the named agent, you can access records by submitting ID and authorization.
  • Example: When Johnโ€™s mother was hospitalized, the social worker confirmed that his sister had been granted medical POA.

Step 5: Check Public Records

  • County Recorderโ€™s Office: If a POA was used in real estate transactions, it may be publicly recorded.
  • How to Search: Visit or search online databases using the principalโ€™s name.
  • States like Florida and Texas require recorded POAs for property transfers.
  • Probate Court: If the principal has died, POA details may surface in estate proceedings.

Step 6: IRS Centralized Authorization File (CAF)

If the POA is tax-related, the IRS stores Form 2848 submissions in its CAF system. A request for confirmation may require principal consent or a court order.

If you suspect misuse or canโ€™t obtain confirmation:

  • File a Court Petition: Request guardianship or conservatorship.
  • Demand an Accounting: Require the agent to disclose how they used the POA.
  • Report Abuse: Contact Adult Protective Services if you suspect financial exploitation.

Real-Life Case: In Estate of Wilson (Ohio, 2020), a court ordered a POA agent to disclose records after family members alleged she hid their motherโ€™s assets.

State-Specific POA Requirements

  • California: POAs must follow specific forms and be recorded for real estate under Probate Code ยง4121.
  • New York: Requires notarization and two witnesses; oral POAs are invalid.
  • Texas: Needs notarization and one witness. Recording is optional but advised.

Most POAs are private documents unless recorded in public registries. Accessing them without legal standing can violate confidentiality laws. Always ensure you have the right to request these documentsโ€”or secure consent in writing.

Red Flags of a Hidden or Abused POA

  • Unexplained financial withdrawals
  • The principal is being isolated or manipulated
  • A caregiver or new acquaintance suddenly manages assets

Example: A Texas woman discovered her father had unknowingly granted POA to a neighbor, leading to unauthorized wire transfers.

Expert Tip: Maintain a POA Log

Legal professionals recommend keeping a record of every use or inquiry related to the POA. Log dates, people involved, and the actions takenโ€”especially if you’re the acting agent.

Key Takeaways

  • Start with direct questionsโ€”always ask the principal or their legal advisor first.
  • Use formal channelsโ€”banks, healthcare providers, and public registries can confirm valid POAs with proper proof.
  • Act legally and transparentlyโ€”avoid violating privacy laws.
  • Take action if abuse is suspectedโ€”courts and protective services can intervene.

POA Verification Checklist

Ask the principal or their attorney
Search safes, digital folders, and estate documents
Contact banks and healthcare providers
Search county property records
Petition the court if fraud or conflict arises

Resources

  • National Academy of Elder Law Attorneys (NAELA) โ€“ https://www.naela.org
  • State Bar Associations โ€“ Search for local elder law attorneys
  • County Clerk & Recorder Offices โ€“ Real estate and POA public record lookups
  • IRS CAF Unit โ€“ IRS Form 2848 Info
  • Adult Protective Services โ€“ https://www.napsa-now.org
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