Florida Statute 673.2041 - 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. 673.2041

673.2041 Indorsement.—

(1) The term “indorsement” means a signature, other than that of a signer as maker, drawer, or acceptor, that alone or accompanied by other words is made on an instrument for the purpose of negotiating the instrument, restricting payment of the instrument, or incurring indorser’s liability on the instrument; but, regardless of the intent of the signer, a signature and its accompanying words is an indorsement unless the accompanying words, terms of the instrument, place of the signature, or other circumstances unambiguously indicate that the signature was made for a purpose other than indorsement. For the purpose of determining whether a signature is made on an instrument, a paper affixed to the instrument is a part of the instrument.

(2) The term “indorser” means a person who makes an indorsement.

(3) For the purpose of determining whether the transferee of an instrument is a holder, an indorsement that transfers a security interest in the instrument is effective as an unqualified indorsement of the instrument.

(4) If an instrument is payable to a holder under a name that is not the name of the holder, indorsement may be made by the holder in the name stated in the instrument or in the holder’s name or both, but signature in both names may be required by a person paying or taking the instrument for value or collection.

History.—s. 2, ch. 92-82.

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Amendments to 673.2041

Annotations, Discussions, Cases:

Cases Citing Statute 673.2041

Total Results: 15

Riggs v. AURORA LOAN SERVICES, LLC

36 So. 3d 932, 72 U.C.C. Rep. Serv. 2d (West) 888, 2010 Fla. App. LEXIS 8652, 2010 WL 2382584

District Court of Appeal of Florida | Filed: Jun 16, 2010 | Docket: 2511669

Cited 34 times | Published

(2008). An indorsement requires a "signature." § 673.2041(1), Fla. Stat. (2008). As an agent of First Magnus

Booker v. Sarasota, Inc.

707 So. 2d 886, 1998 WL 93973

District Court of Appeal of Florida | Filed: Mar 6, 1998 | Docket: 1676070

Cited 14 times | Published

to the instrument is part of the instrument." § 673.2041(1), Fla. Stat. (1995).

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

instrument.' " 707 So.2d at 887 n. * (citing § 673.2041(1), Fla. Stat. (1995)); see generally Richard

Harvey v. Deutsche Bank National Trust Co.

69 So. 3d 300, 2011 Fla. App. LEXIS 10194, 2011 WL 1485310

District Court of Appeal of Florida | Filed: Jun 29, 2011 | Docket: 2360271

Cited 10 times | Published

(2008). An indorsement requires a “signature.” § 673.2041(1), Fla. Stat. (2008). As an agent of First Magnus

Any Kind Checks Cashed, Inc. v. Talcott

830 So. 2d 160, 48 U.C.C. Rep. Serv. 2d (West) 800

District Court of Appeal of Florida | Filed: Oct 9, 2002 | Docket: 1516853

Cited 9 times | Published

indorsed the check and cashed it with Any Kind. See § 673.2041(1) (defining "indorsement"). Any Kind immediately

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

the instrument is a part of the instrument." § 673.2041(1), Fla. Stat.

Nick Purificato and Denise L. Purificato a/k/a Denise Purificato v. Nationstar Mortgage, LLC

182 So. 3d 821, 88 U.C.C. Rep. Serv. 2d (West) 655, 2016 Fla. App. LEXIS 195, 2016 WL 64331

District Court of Appeal of Florida | Filed: Jan 6, 2016 | Docket: 3026036

Cited 1 times | Published

be affixed to the instrument. See § 673.2041(1), Fla. Stat. (2010). The rationale underlying

Diana Jelic v. Bac Home Loans Servicing, LP

178 So. 3d 523, 2015 Fla. App. LEXIS 16563, 2015 WL 6735353

District Court of Appeal of Florida | Filed: Nov 4, 2015 | Docket: 3009695

Cited 1 times | Published

instrument” or on “a paper affixed to the instrument.” § 673.2041(1), Fla. Stat. Here, the signature on the mortgage

DEUTSCHE BANK NATIONAL TRUST, ETC. v. FLEMING HARRIS

District Court of Appeal of Florida | Filed: Aug 12, 2020 | Docket: 17436372

Published

indicates the intent was to not sign as an indorser. § 673.2041(1), Fla. Stat. (2019). The signature on an indorsement

PMT NPL Financing v. Centurion Systems

257 So. 3d 516

District Court of Appeal of Florida | Filed: Aug 20, 2018 | Docket: 7784429

Published

the purpose of negotiating the instrument.” § 673.2041(1), Fla. Stat. (2013). A signature can be placed

ROBERTO VIEIRA and SHAWN D. VIEIRA v. PENNYMAC CORP.

241 So. 3d 193

District Court of Appeal of Florida | Filed: Mar 21, 2018 | Docket: 6340890

Published

no signature on the document by Chase Bank. Section 673.2041, Florida Statutes (2017), clearly requires

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

the instrument is a part of the instrument.” § 673.2041(1), Fla. Stat. Isaac v. Deutsche Bank

Robert K. Walton v. Deutsche Bank National Trust Co., etc.

201 So. 3d 831, 2016 Fla. App. LEXIS 15547

District Court of Appeal of Florida | Filed: Oct 19, 2016 | Docket: 4480289

Published

qualifying the document as an indorsement of the note. § 673.2041, Fla. Stat. The absence of a named recipient

In re Elowitz

550 B.R. 603, 75 Collier Bankr. Cas. 2d 1237, 26 Fla. L. Weekly Fed. B 205, 89 U.C.C. Rep. Serv. 2d (West) 823, 2016 Bankr. LEXIS 2206

United States Bankruptcy Court, S.D. Florida. | Filed: May 17, 2016 | Docket: 65788662

Published

of negotiating the instrument [.]” Fla. Stat. § 673.2041(1). There are two primary types of indorsements

Laura T. Hepworth and Michael E. Hepworth v. Wells Fargo Bank, N.A., etc.

180 So. 3d 1170, 2015 Fla. App. LEXIS 18403, 2015 WL 8344724

District Court of Appeal of Florida | Filed: Dec 9, 2015 | Docket: 3019342

Published

when the complaint was filed. See § 673.2041(1), Fla. Stat. (2013).' The second and third