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Florida Statute 673.3081 | Lawyer Caselaw & Research
F.S. 673.3081 Case Law from Google Scholar
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Link to State of Florida Official Statute Google Search for Amendments to 673.3081

The 2023 Florida Statutes (including Special Session C)

Title XXXIX
COMMERCIAL RELATIONS
Chapter 673
UNIFORM COMMERCIAL CODE: NEGOTIABLE INSTRUMENTS
View Entire Chapter
F.S. 673.3081
673.3081 Proof of signatures and status as holder in due course.
(1) In an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings. If the validity of a signature is denied in the pleadings, the burden of establishing validity is on the person claiming validity, but the signature is presumed to be authentic and authorized unless the action is to enforce the liability of the purported signer and the signer is dead or incompetent at the time of trial of the issue of validity of the signature. If an action to enforce the instrument is brought against a person as the undisclosed principal of a person who signed the instrument as a party to the instrument, the plaintiff has the burden of establishing that the defendant is liable on the instrument as a represented person under s. 673.4021(1).
(2) If the validity of signatures is admitted or proved and there is compliance with subsection (1), a plaintiff producing the instrument is entitled to payment if the plaintiff proves entitlement to enforce the instrument under s. 673.3011, unless the defendant proves a defense or claim in recoupment. If a defense or claim in recoupment is proved, the right to payment of the plaintiff is subject to the defense or claim, except to the extent the plaintiff proves that the plaintiff has rights of a holder in due course which are not subject to the defense or claim.
History.s. 2, ch. 92-82.

F.S. 673.3081 on Google Scholar

F.S. 673.3081 on Casetext

Amendments to 673.3081


Arrestable Offenses / Crimes under Fla. Stat. 673.3081
Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 673.3081.



Annotations, Discussions, Cases:

Cases from cite.case.law:

B. SCHWARTZ F. v. BANK OF AMERICA, N. A. BAC LP, f k a L. P. At, 267 So. 3d 414 (Fla. App. Ct. 2019)

. . . The appellee relied on section 673.3081, Florida Statutes (2012), to establish its standing, which provides . . .

BARSAN, v. TRINITY FINANCIAL SERVICES, LLC,, 258 So. 3d 516 (Fla. App. Ct. 2018)

. . . See § 673.3081(1), Fla. Stat. (2016) ; Bennett v. Deutsche Bank Nat. . . . Trust Co., 124 So.3d 320, 322 (Fla. 4th DCA 2013) (noting that the term "presumed" in section 673.3081 . . . unauthorized, the plaintiff was not required to prove that it is valid (citing UCC comment 1 to section 673.3081 . . .

PMT NPL FINANCING v. CENTURION SYSTEMS, LLC,, 257 So. 3d 516 (Fla. App. Ct. 2018)

. . . . § 673.3081(1). The Uniform Commercial Code ("U.C.C.") . . . holding bank could rely on statutory presumption of validity of signatures on allonge, based on section 673.3081 . . . Comment in interpreting section 673.3081). . . .

REY a k a I. a k a M. v. U. S. BANK NATIONAL ASSOCIATION, CSMC, 244 So. 3d 409 (Fla. App. Ct. 2018)

. . . holding bank could rely on statutory presumption of validity of signatures on allonge, based on section 673.3081 . . .

HSBC BANK USA, v. HESS a k a H. a k a a k a III,, 228 So. 3d 143 (Fla. Dist. Ct. App. 2017)

. . . See § 673.3081(1), Fla. . . . Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (citing section 673.3081 and holding that . . .

N. PETERS a k a N. n k a v. BANK OF NEW YORK MELLON, f k a, 227 So. 3d 175 (Fla. Dist. Ct. App. 2017)

. . . If that proof is made, s. 673.3081 applies to the case as if the person seeking enforcement had produced . . .

PENNYMAC CORP. v. T. FROST a k a, 214 So. 3d 686 (Fla. Dist. Ct. App. 2017)

. . . .” § 673.3081(1), Fla. Stat. (2015). . . .

U. S. BANK NATIONAL ASSOCIATION FOR BAFC v. ROSEMAN, H., 214 So. 3d 728 (Fla. Dist. Ct. App. 2017)

. . . The defendants’ first affirmative defense stated: Pursuant to 673.3081, Florida Statutes, Defendants . . .

A. HOUK, v. PENNYMAC CORP., 210 So. 3d 726 (Fla. Dist. Ct. App. 2017)

. . . terms of the instrument and the person’s right to enforce the instrument, If that proof is made, s. 673.3081 . . .

POLONSKY, v. HSBC BANK USA, N. A., 207 So.3d 362 (Fla. Dist. Ct. App. 2016)

. . . See § 673.3081(1), Fla. . . . Nichols, 245 So.2d 660, 662 (Fla. 4th DCA 1971) (construing prior version of section 673.3081, Florida . . . See § 673.3081(1), Fla. . . .

SANABRIA v. PENNYMAC MORTGAGE INVESTMENT TRUST HOLDINGS I, LLC,, 197 So. 3d 94 (Fla. Dist. Ct. App. 2016)

. . . I write only to note that the majority’s discussion of the constitutionality of section 673.3081(1) has . . . . § 673.3081 (2011), assuming, without conceding, that such endorsement exists. . . . parties and the circuit court have framed the sufficiency of the homeowners’ defense in terms of section 673.3081 . . . Section 673.3081(1) reads, in relevant part: In an action with respect to an instrument, the authenticity . . . measure, the homeowners, as well — appeared to accept Pennymac Trust’s underlying premise that section 673.3081 . . . Indeed, the few Florida decisions to address the pleading requirement that section 673.3081(1) appears . . .

FEDERAL NATIONAL MORTGAGE ASSOCIATION, v. A. McFADYEN,, 194 So. 3d 418 (Fla. Dist. Ct. App. 2016)

. . . If that proof is made, s. 673.3081 applies to the case as if the person seeking enforcement had produced . . .

M. RIVERA J. v. WELLS FARGO BANK, N. A. FDIC, 189 So. 3d 323 (Fla. Dist. Ct. App. 2016)

. . . authenticity and/or validity of any signatures or indorsements on the Note ... pursuant to Florida Statute 673.3081 . . . On the borrowers’ second argument, section 673.3081(1), Florida Statutes (2010), Uniform Commercial Code . . .

A. RODRIGUEZ v. WELLS FARGO BANK, N. A. d b a s, 178 So. 3d 62 (Fla. Dist. Ct. App. 2015)

. . . 'Section 673.3081(2), Florida Statutes (2010), provides (2) If the validity of signatures is admitted . . . enforce the instnment under ⅜. m.mu, unless the defendant proves a defense or claim in recoupment. § 673.3081 . . .

BOUMARATE v. HSBC BANK USA, N. A., 172 So. 3d 535 (Fla. Dist. Ct. App. 2015)

. . . If that proof is made, s. 673.3081 applies to the case as if the person seeking enforcement had produced . . .

MADURA, v. BAC HOME LOANS SERVICING, LP, f. k. a. LP, NA,, 593 F. App'x 834 (11th Cir. 2014)

. . . . § 673.3081(1). . . .

DELIA, v. GMAC MORTGAGE CORPORATION,, 161 So. 3d 554 (Fla. Dist. Ct. App. 2014)

. . . If that proof is made, s. 673.3081 [proof of signatures and status as holder in due course] applies to . . .

WELLS FARGO BANK, N. A. v. M. RUTLEDGE s, 148 So. 3d 533 (Fla. Dist. Ct. App. 2014)

. . . There is a presumption that Mary Dias’s signature is authentic under section 673.3081, Florida Statutes . . .

M. BENNETT C. v. DEUTSCHE BANK NATIONAL TRUST COMPANY,, 124 So. 3d 320 (Fla. Dist. Ct. App. 2013)

. . . affirmed the final summary judgment of foreclosure relying on the statutory presumption in section 673.3081 . . . the signer is dead or incompetent at the time of trial of the issue of validity of the signature. § 673.3081 . . . Crucial to this case is the language in section 673.3081(1) that the “signature is presumed to be authentic . . . Uniform Commercial Code Comment 1 to section 673.3081 explains the operation of this presumption as follows . . . In this case, the effect of the section 673.3081(1) presumption was to require the Bennetts to make some . . .

GUERRERO v. CHASE HOME FINANCE, LLC., 83 So. 3d 970 (Fla. Dist. Ct. App. 2012)

. . . If that proof is made, s. 673.3081 applies to the case as if the person seeking enforcement had produced . . .

A. RIGGS, Sr. v. AURORA LOAN SERVICES, LLC,, 36 So. 3d 932 (Fla. Dist. Ct. App. 2010)

. . . Subsection 673.3081(1), Florida Statutes (2008), provides that “[i]n an action with respect to an instrument . . .

ANY KIND CHECKS CASHED, INC. a v. G. TALCOTT, Jr. GUARINO,, 830 So. 2d 160 (Fla. Dist. Ct. App. 2002)

. . . See § 673.3081(2), Fla. Stat. (2001); Seinfeld v. . . .

HOBLEY, v. METZ,, 630 So. 2d 625 (Fla. Dist. Ct. App. 1994)

. . . Section 673.3081(2), Florida Statutes (Supp. 1992), provides in part: ... a plaintiff producing the instrument . . .