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Illinois Compiled Statutes

810 ILCS 5/4A-201 (2026)

Security procedure

✓ current as of May 2026
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(810 ILCS 5/4A-201) (from Ch. 26, par. 4A-201)
    Sec. 4A-201. Security procedure. "Security procedure" means a procedure established by agreement of a customer and a receiving bank for the purpose of (i) verifying that a payment order or communication amending or cancelling a payment order is that of the customer, or (ii) detecting error in the transmission or the content of the payment order or communication. A security procedure may impose an obligation on the receiving bank or the customer and may require the use of algorithms or other codes, identifying words, numbers, symbols, sounds, biometrics, encryption, callback procedures, or similar security devices. Comparison of a signature on a payment order or communication with an authorized specimen signature of the customer or requiring a payment order to be sent from a known email address, IP address, or telephone number is not by itself a security procedure.
(Source: P.A. 103-1036, eff. 1-1-25.)

    
Notes of Decisions
Cited in 2 cases (1 in the last 5 years), 1998–2025 · leading case: GN Pro Grp., LLC v. Well Done ASAP, LLC (N.D. Ill. 2025).
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GN Pro Grp., LLC v. Well Done ASAP, LLC (N.D. Ill. 2025). “1998) (quoting 810 ILCS 5/4A-201 cmt.). Plaintiffs’ claim based on subsection 4A-205(a) fails because the Amended Complaint does not allege that Plaintiffs and Chase agreed on any security procedure in connection with the wire transfer.”
Skyline Int'l Dev. v. Citibank F.S.B. (Ill. App. Ct. 1998). “" 810 ILCS 5/4A-201(West 1994). The official comment to section 4A-201, states that "[t]he definition of security procedure limits the term to a procedure 'established by agreement of a customer and a receiving bank.”
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