Mich. Comp. Laws » Michigan Compiled Laws / Chapter 440 / Act 174 of 1962
Michigan Compiled Laws

Mich. Comp. Laws § 440.3604 (2026)

Discharge by intentional voluntary act; canceling or striking out endorsement; "signed" defined.

✓ current as of July 2026
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UNIFORM COMMERCIAL CODE


Act 174 of 1962


440.3604 Discharge by intentional voluntary act; canceling or striking out endorsement; "signed" defined.

Sec. 3604.

    (1) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument (i) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party's signature, or the addition of words to the instrument indicating discharge, or (ii) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.

    (2) Cancellation or striking out of an endorsement pursuant to subsection (1) does not affect the status and rights of a party derived from the endorsement.

    (3) As used in this section, "signed", with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process with the present intent to adopt or accept the record.

History: 1962, Act 174, Eff. Jan. 1, 1964 ;-- Am. 1993, Act 130, Eff. Sept. 30, 1993 ;-- Am. 2014, Act 101, Imd. Eff. Apr. 10, 2014

Notes of Decisions
Cited in 2 cases (1 in the last 5 years), 2020–2025 · leading case: Gant v. Nelnet (W.D. Mich. 2025).
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Gant v. Nelnet (W.D. Mich. 2025). · cites it 2× “Mich. Comp. Laws § 440.3604 . UCC § 440.3301 defines “person entitled to enforce” as follows: “Person entitled to enforce” an instrument means (i) the holder of the instrument, (ii) a nonholder in possession of the instrument who has the rights of a holder, or (iii) a person not…”
in Re Stephenson Fam. Trust (Mich. Ct. App. 2020). “O’Brien 9 We offer no opinion on whether the probate court correctly determined that, if the Note was a negotiable instrument, it was not discharged under MCL 440.3604(1). -9-”
— Mich. Comp. Laws § 440.3604(1) — 1 case
in Re Stephenson Fam. Trust (Mich. Ct. App. 2020). “O’Brien 9 We offer no opinion on whether the probate court correctly determined that, if the Note was a negotiable instrument, it was not discharged under MCL 440.3604(1). -9-”
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