Illinois Compiled Statutes

810 ILCS 5/3-204 (2026)

Indorsement

✓ current as of May 2026
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(810 ILCS 5/3-204) (from Ch. 26, par. 3-204)
    Sec. 3-204. Indorsement.
    (a) "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 (i) negotiating the instrument, (ii) restricting payment of the instrument, or (iii) 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.
    (b) "Indorser" means a person who makes an indorsement.
    (c) 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.
    (d) 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.
(Source: P.A. 87-582; 87-1135.)

    
Notes of Decisions
Cited in 4 cases, 2017–2020 · leading case: Olive Portfolio Alpha, LLC v. 116 West Hubbard Street, LLC, 2017 IL App (1st) 1160357 (Ill. App. Ct. 2017).
Olive Portfolio Alpha, LLC v. 116 West Hubbard Street, LLC, 2017 IL App (1st) 1160357 (Ill. App. Ct. 2017). · cites it 3× “” ¶ 26 Dumas-Accera also stated that additional discovery was necessary because her attorney’s inspection of the original loan documents “revealed credible evidence that the original allonge from Olive Portfolio, LLC, to Plaintiff *** was never affixed to the original Note, as…”
Olive Portfolio Alpha, LLC v. 116 West Hubbard Street, LLC, 2017 IL App (1st) 1160357 (Ill. App. Ct. 2017). · cites it 3× “” ¶ 26 Dumas-Accera also stated that additional discovery was necessary because her attorney’s inspection of the original loan documents “revealed credible evidence that the original allonge from Olive Portfolio, LLC, to Plaintiff *** was never affixed to the original Note, as…”
Deutsche Bank Nat'l Trust Co. v. Muhammad, 2019 IL App (1st) 182077-U (Ill. App. Ct. 2019). “See also 810 ILCS 5/3-204 (West 2018) (defining indorsement).”
U.S. Bank N.A. v. Grason, 2020 IL App (4th) 190085-U (Ill. App. Ct. 2020). “” 810 ILCS 5/3-204(a) (West 2012). A “special indorsement” is one “made by the holder of an instrument, whether payable to an identified person or payable to bearer, and the indorsement identifies a person to whom it makes the instrument payable.”
— 810 ILCS 5/3-204(a) — 3 cases
Olive Portfolio Alpha, LLC v. 116 West Hubbard Street, LLC, 2017 IL App (1st) 1160357 (Ill. App. Ct. 2017). “” ¶ 26 Dumas-Accera also stated that additional discovery was necessary because her attorney’s inspection of the original loan documents “revealed credible evidence that the original allonge from Olive Portfolio, LLC, to Plaintiff *** was never affixed to the original Note, as…”
Olive Portfolio Alpha, LLC v. 116 West Hubbard Street, LLC, 2017 IL App (1st) 1160357 (Ill. App. Ct. 2017). “” ¶ 26 Dumas-Accera also stated that additional discovery was necessary because her attorney’s inspection of the original loan documents “revealed credible evidence that the original allonge from Olive Portfolio, LLC, to Plaintiff *** was never affixed to the original Note, as…”
U.S. Bank N.A. v. Grason, 2020 IL App (4th) 190085-U (Ill. App. Ct. 2020). “” 810 ILCS 5/3-204(a) (West 2012). A “special indorsement” is one “made by the holder of an instrument, whether payable to an identified person or payable to bearer, and the indorsement identifies a person to whom it makes the instrument payable.”
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