Florida Statute 670.201 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXIX
COMMERCIAL RELATIONS

Chapter 670
UNIFORM COMMERCIAL CODE: FUNDS TRANSFERS

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670.201 Security procedure.—For purposes of this section, the term “security procedure” means a procedure established by agreement of a customer and a receiving bank for the purpose of:

(1) Verifying that a payment order or communication amending or canceling a payment order is that of the customer; or

(2) Detecting error in the transmission or the content of the payment order or communication.

A security procedure may impose an obligation on the receiving bank or the customer and may require the use of algorithms or other codes, identifying words, numbers, symbols, sounds, biometrics, encryption, callback procedures, or similar security devices. Comparison of a signature on a payment order or communication with an authorized specimen signature of the customer or requiring a payment order to be sent from a known e-mail address, Internet protocol address, or telephone number is not by itself a security procedure.

History.—s. 1, ch. 91-70; s. 23, ch. 2025-92.

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Amendments to 670.201

Annotations, Discussions, Cases:

Cases Citing Statute 670.201

Total Results: 2

Roger Chavez v. Mercantil Commercebank, N.A.

701 F.3d 896, 79 U.C.C. Rep. Serv. 2d (West) 152, 2012 U.S. App. LEXIS 24358, 2012 WL 5907151

Court of Appeals for the Eleventh Circuit | Filed: Nov 27, 2012 | Docket: 391421

Cited 26 times | Published

payment order is that of the customer.” Fla. Stat. § 670.201. The “security procedure” under Florida law is

Jesus Alonso Alvarez Rodriguez v. Branch Banking & Trust Company

Court of Appeals for the Eleventh Circuit | Filed: Aug 26, 2022 | Docket: 64924993

Published

unilaterally adopted internal processes. Id. § 670.201 & cmt. Whether a security procedure is “commercially

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