wow you found half a dozen legal sites dealing with this person’s exact situaton and you completed your “legal” analysis in about two minutes and apparently without a legal degree you are already an expert on state and federal banking laws and regulations, not to mention all manner of other potential criminal and/or civil liability.
Old Chinese sage say: Ignorant you can teach, but only cure for stupid is kill.
That’s the power of the internet, lots of data there for folks who have good search skills. And actually it took about half an hour. Never said I was an expert, but I did find lots of experts that all agree on the basic fact that eventually the money is legally yours. They did mention potential criminal and/or civil problems, but those only arose in the case of the person taking the money and spending it, as long as you can cough it up in total if they ask before deadline day you’ll be fine.