Florida Statute 673.1091 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXIX
COMMERCIAL RELATIONS

Chapter 673
UNIFORM COMMERCIAL CODE: NEGOTIABLE INSTRUMENTS

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F.S. 673.1091

673.1091 Payable to bearer or to order.—

(1) A promise or order is “payable to bearer” if it:

(a) States that it is payable to bearer or to the order of bearer or otherwise indicates that the person in possession of the promise or order is entitled to payment;

(b) Does not state a payee; or

(c) States that it is payable to or to the order of cash or otherwise indicates that it is not payable to an identified person.

(2) A promise or order that is not payable to bearer is “payable to order” if it is payable to the order of an identified person or to an identified person or order. A promise or order that is payable to order is payable to the identified person.

(3) An instrument payable to bearer may become payable to an identified person if it is specially indorsed pursuant to s. 673.2051(1). An instrument payable to an identified person may become payable to bearer if it is indorsed in blank pursuant to s. 673.2051(2).

History.—s. 2, ch. 92-82.

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Amendments to 673.1091

Annotations, Discussions, Cases:

Cases Citing Statute 673.1091

Total Results: 7

Wells Fargo Bank, N.A. v. Bohatka

112 So. 3d 596, 2013 WL 1715439, 2013 Fla. App. LEXIS 6488

District Court of Appeal of Florida | Filed: Apr 22, 2013 | Docket: 60231179

Cited 10 times | Published

the note “payable to bearer” Id. at 496; see § 673.1091(2), Fla. Stat. (“If an instrument is payable

Isaac v. Deutsche Bank National Trust Co.

74 So. 3d 495, 74 U.C.C. Rep. Serv. 2d (West) 220, 2011 Fla. App. LEXIS 4768, 2011 WL 1261142

District Court of Appeal of Florida | Filed: Apr 6, 2011 | Docket: 70603

Cited 7 times | Published

that it is not payable to an identified person." § 673.1091(1), Fla. Stat. "If an instrument is payable to

Anastacia S. Lacombe and Max P. Lacombe v. Deutsche Bank National Trust Company, etc.

149 So. 3d 152, 2014 WL 5139296

District Court of Appeal of Florida | Filed: Oct 22, 2014 | Docket: 1422054

Cited 2 times | Published

property. The note was “payable to order” under section 673.1091, Florida Statutes because it specifically

Lindsey v. Wells Fargo Bank, N.A.

139 So. 3d 903, 2013 Fla. App. LEXIS 3145, 2013 WL 692825

District Court of Appeal of Florida | Filed: Feb 27, 2013 | Docket: 60241232

Cited 2 times | Published

instrument” because it was payable to Option One. See § 673.1091, Fla. Stat. (2011) (defining “payable to bearer

Mark Pennington v. Ocwen Loan Servicing, LLC

151 So. 3d 52, 2014 WL 5740990

District Court of Appeal of Florida | Filed: Nov 5, 2014 | Docket: 2593253

Cited 1 times | Published

condominium. The note was “payable to order” under section 673.1091, Florida Statutes, because it specifically

U.S. BANK NATIONAL ASSOC., ETC v. JEAN KACHIK

222 So. 3d 592, 93 U.C.C. Rep. Serv. 2d (West) 32, 2017 WL 2859241, 2017 Fla. App. LEXIS 9642

District Court of Appeal of Florida | Filed: Jul 5, 2017 | Docket: 6085979

Published

that it is not payable to an identified person.” § 673.1091(1), Fla. Stat. “If an instrument is payable to

Federal National Mortgage Association v. McFadyen

194 So. 3d 418, 89 U.C.C. Rep. Serv. 2d (West) 652, 2016 WL 1658773, 2016 Fla. App. LEXIS 6351

District Court of Appeal of Florida | Filed: Apr 27, 2016 | Docket: 3058480

Published

is payable to bearer or indorsed in blank.”); § 673.1091(l)(b)-(c) ("A promise or order is 'payable to