The 2023 Florida Statutes (including Special Session C)

Title XXXIX
COMMERCIAL RELATIONS

Chapter 673
UNIFORM COMMERCIAL CODE: NEGOTIABLE INSTRUMENTS

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F.S. 673.4181

673.4181 Payment or acceptance by mistake.—

(1) Except as provided in subsection (3), if the drawee of a draft pays or accepts the draft and the drawee acted on the mistaken belief that payment of the draft had not been stopped pursuant to s. 674.403 or that the signature of the drawer of the draft was authorized, the drawee may recover the amount of the draft from the person to whom or for whose benefit payment was made or, in the case of acceptance, may revoke the acceptance. Rights of the drawee under this subsection are not affected by failure of the drawee to exercise ordinary care in paying or accepting the draft.

(2) Except as provided in subsection (3), if an instrument has been paid or accepted by mistake and the case is not covered by subsection (1), the person paying or accepting may, to the extent permitted by the law governing mistake and restitution, recover the payment from the person to whom or for whose benefit payment was made or, in the case of acceptance, may revoke the acceptance.

(3) The remedies provided by subsection (1) or subsection (2) may not be asserted against a person who took the instrument in good faith and for value or who in good faith changed position in reliance on the payment or acceptance. This subsection does not limit remedies provided by s. 673.4171 or s. 674.407.

(4) Notwithstanding s. 674.215, if an instrument is paid or accepted by mistake and the payor or acceptor recovers payment or revokes acceptance under subsection (1) or subsection (2), the instrument is deemed not to have been paid or accepted and is treated as dishonored, and the person from whom payment is recovered has rights as a person entitled to enforce the dishonored instrument.

History.—s. 2, ch. 92-82.

F.S. 673.4181 on Google Scholar

F.S. 673.4181 on Casetext

Amendments to 673.4181

Arrestable Offenses / Crimes under Fla. Stat. 673.4181

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 673.4181.

Annotations, Discussions, Cases:

Cases from cite.case.law:

BANK OF NEW YORK MELLON f k a CWALT, v. BURGIEL, s At LLC,, 248 So. 3d 237 (Fla. App. Ct. 2018)

. . . a person not in possession of the note who is entitled to enforce under section 673.3091 or section 673.4181 . . .

D. FIELDING, v. PNC BANK NATIONAL ASSOCIATION,, 239 So. 3d 140 (Fla. App. Ct. 2018)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

SABIDO v. BANK OF NEW YORK MELLON f k a JP L N. A., 241 So. 3d 865 (Fla. App. Ct. 2017)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

BANK OF NEW YORK MELLON, v. C. BEAUFORT,, 238 So. 3d 365 (Fla. App. Ct. 2017)

. . . who is entitled to enforce the instrument pursuant to Florida Statute § 673.3091 or Florida Statute § 673.4181 . . . Section 673.4181(4) deals with instruments (typically checks) paid by mistake and treated as dishonored . . .

JPMORGAN CHASE BANK NATIONAL ASSOCIATION, v. PIERRE, 215 So. 3d 633 (Fla. Dist. Ct. App. 2017)

. . . the instrument who is entitled to enforce the instrument pursuant to s[ection] 673.3091 or section] 673.4181 . . .

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

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

U. S. BANK NATIONAL ASSOCIATION, J. P. v. S. BECKER D., 211 So. 3d 142 (Fla. Dist. Ct. App. 2017)

. . . the instrument who is entitled to enforce the instrument pursuant to s[ection] 673.3091 or s[ection] 673.4181 . . .

BANCO BILBAO VIZCAYA ARGENTARIA, v. EASY LUCK CO. INC., 208 So. 3d 1241 (Fla. Dist. Ct. App. 2017)

. . . Applying sections 3-303 and 3^418 of the Uniform Commercial Code, §§ 673.3031 and 673.4181, Fla. . . . of this dispute is governed in the main by Florida’s version of the Uniform Commercial Code, section 673.4181 . . . not take the draft “in good faith and for value” within the meaning of the first exception to section 673.4181 . . . BBVA apparently forgets the second exception to section 673.4181(3), to which it acceded on the $43,337 . . . See § 673.4181(3). BBVA ignores this apparent inconsistency in its argument. . . .

POAG, v. NATIONSTAR MORTGAGE, LLC,, 198 So. 3d 1002 (Fla. Dist. Ct. App. 2016)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

T. FROST a k a v. CHRISTIANA TRUST, a FSB, JP s, 193 So. 3d 1092 (Fla. Dist. Ct. App. 2016)

. . . possession' of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

S. MAGALDI, v. DEUTSCHE BANK NATIONAL TRUST COMPANY, As WAMU, 199 So. 3d 982 (Fla. Dist. Ct. App. 2016)

. . . the instrument who is entitled to enforce the instrument pursuant to section] 673.3091 or s[ection] 673.4181 . . .

CRUZ M. v. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, F. A., 199 So. 3d 992 (Fla. Dist. Ct. App. 2016)

. . . the instrument who is entitled to enforce the instrument pursuant to sfeetion] 673.3091 or sfeetion] 673.4181 . . . the instrument who is entitled to enforce the instrument pursuant to sfeetion] 673.3091 or sfeetion] 673.4181 . . .

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

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

DEUTSCHE BANK NATIONAL TRUST COMPANY, v. F. MARCIANO,, 190 So. 3d 166 (Fla. Dist. Ct. App. 2016)

. . . possession of the ■instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

GONZALEZ v. BAC HOME LOANS SERVICING, L. P., 180 So. 3d 1106 (Fla. Dist. Ct. App. 2015)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

S. SNYDER v. JP MORGAN CHASE BANK,, 169 So. 3d 1270 (Fla. Dist. Ct. App. 2015)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

SEFFAR, v. RESIDENTIAL CREDIT SOLUTIONS, INC., 160 So. 3d 122 (Fla. Dist. Ct. App. 2015)

. . . the instrument who is entitled to enforce the instrument pursuant to s[ection] 673.3091 or sfection] 673.4181 . . .

MURRAY v. HSBC BANK USA,, 157 So. 3d 355 (Fla. Dist. Ct. App. 2015)

. . . the instrument who is entitled to enforce the instrument pursuant to s[ection] 673.3091 or section] 673.4181 . . .

WELLS FARGO BANK, N. A. v. P. MORCOM, 125 So. 3d 320 (Fla. Dist. Ct. App. 2013)

. . . in possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or 673.4181 . . .

In BALDERRAMA, P. v., 473 B.R. 823 (Bankr. M.D. Fla. 2012)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to § 673.3091 or § 673.4181 . . .

D. BEAUMONT, v. BANK OF NEW YORK MELLON,, 81 So. 3d 553 (Fla. Dist. Ct. App. 2012)

. . . pursuant to section 673.3091, or who has paid or accepted a draft by mistake as described in section 673.4181 . . .

ISRA HOMES, INC. a LLC, a S. v. APPLEY V V a W. u t d LLC, a J. J. a A. A. E. S., 78 So. 3d 724 (Fla. Dist. Ct. App. 2012)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

In AUM SHREE OF TAMPA, LLC, d b a LLC, d b a v. HSBC USA, HSBC USA, v. LLC, d b a HSBC USA, v., 449 B.R. 584 (Bankr. M.D. Fla. 2011)

. . . of the instrument who is entitled to enforce the instrument pursuant to Section 673.3091 or Section 673.4181 . . .

TAYLOR, v. DEUTSCHE BANK NATIONAL TRUST COMPANY, ETC., 44 So. 3d 618 (Fla. Dist. Ct. App. 2010)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . .

JTM, INC. v. TOTALBANK,, 795 So. 2d 161 (Fla. Dist. Ct. App. 2001)

. . . possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181 . . . Neither of the circumstances listed in 673.3091 and 673.4181(4) is present here. . . .