Ariz. Rev. Stat. » Title 47
Arizona Revised Statutes

Ariz. Rev. Stat. § 47-3205 (2026)

Special indorsement; blank indorsement; anomalous indorsement

✓ current as of May 2026
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A. If an indorsement is made by the holder of an instrument, whether payable to an identified person or payable to bearer, and the indorsement identifies a person to whom it makes the instrument payable, it is a "special indorsement". When specially indorsed, an instrument becomes payable to the identified person and may be negotiated only by the indorsement of that person. The principles stated in section 47-3110 apply to special indorsements.

B. If an indorsement is made by the holder of an instrument and it is not a special indorsement, it is a "blank indorsement". When indorsed in blank, an instrument becomes payable to bearer and may be negotiated by transfer of possession alone until specially indorsed.

C. The holder may convert a blank indorsement that consists only of a signature into a special indorsement by writing, above the signature of the indorser, words identifying the person to whom the instrument is made payable.

D. "Anomalous indorsement" means an indorsement made by a person who is not the holder of the instrument. An anomalous indorsement does not affect the manner in which the instrument may be negotiated.

Notes of Decisions
Cited in 2 cases, 2013–2020 · leading case: Connelly v. U.S. Bank Nat'l Ass'n ex rel. Benefit of Harborview Mortg. Loan Trust 2005-3 (In re Connelly), 487 B.R. 230 (Bankr. D. Ariz. 2013).
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Connelly v. U.S. Bank Nat'l Ass'n ex rel. Benefit of Harborview Mortg. Loan Trust 2005-3 (In re Connelly), 487 B.R. 230 (Bankr. D. Ariz. 2013). “ARS § 47-3205(B). “Bearer” means a person in possession of a negotiable instrument that is indorsed in blank.”
Alosi v. Citibank (Ariz. Ct. App. 2020). · cites it 2× “”); A.R.S. § 47-3205(A)–(C) (if the holder endorses the note in blank the “instrument becomes payable to bearer and may be negotiated by transfer of possession alone” until and unless a holder writes words identifying the person to whom the instrument is made payable above the…”
— Ariz. Rev. Stat. § 47-3205(A) — 1 case
Alosi v. Citibank (Ariz. Ct. App. 2020). “”); A.R.S. § 47-3205(A)–(C) (if the holder endorses the note in blank the “instrument becomes payable to bearer and may be negotiated by transfer of possession alone” until and unless a holder writes words identifying the person to whom the instrument is made payable above the…”
— Ariz. Rev. Stat. § 47-3205(B) — 1 case
Connelly v. U.S. Bank Nat'l Ass'n ex rel. Benefit of Harborview Mortg. Loan Trust 2005-3 (In re Connelly), 487 B.R. 230 (Bankr. D. Ariz. 2013). “ARS § 47-3205(B). “Bearer” means a person in possession of a negotiable instrument that is indorsed in blank.”
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