Nevada Revised Statutes
Nev. Rev. Stat. § 104.3301 (2026)
Person entitled to enforce instrument
✓ current as of July 2026
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NRS 104.3301 Person entitled to enforce instrument.
1. “Person entitled to enforce” an instrument means:
(a) The holder of the instrument;
(b) A nonholder in possession of the instrument who has the rights of a holder; or
(c) A person not in possession of the instrument who is entitled to enforce the instrument pursuant to NRS 104.3309 or subsection 4 of NRS 104.3418.
2. A person may be a person entitled to enforce the instrument even though the person is not the owner of the instrument or is in wrongful possession of the instrument.
(Added to NRS by 1965, 825; A 1993, 1272)
Notes of Decisions
Cited in 14
cases (5 in the last 5 years), 2010–2026 · leading case: In re Phillips, 491 B.R. 255 (Bankr. D. Nev. 2013).
In re Phillips, 491 B.R. 255 (Bankr. D. Nev. 2013). “See Nev.Rev.Stat. § 104.3301(1) (2011) (entitlement to enforce negotiable instrument not dependent on existence or validity of a security instrument); Edelstein, 286 P.”
In re Stanley, 514 B.R. 27 (Bankr. D. Nev. 2012). “Article 3 as adopted in Nevada defines a “person entitled to enforce” an instrument as: “(a) The holder of the instrument; [or] (b) A nonholder in possession of the instrument who has the rights of a holder_” 17 Nev.Rev.Stat. § 104.3301(1). BAC thus must show that it is a holder…”
Leyva v. Nat'l Default Servicing Corp., 255 P.3d 1275 (Nev. 2011). “The obligor on the note has the right to know the identity of the entity that is “entitled to enforce” the mortgage note under Article 3, see NRS 104.3301, “[otherwise, the [homeowner] may pay funds to a stranger to the case.”
Einhorn v. BAC Home Loans Servicing, LP, 290 P.3d 249 (Nev. 2012). “” 4 Under Edelstein , the Countrywide/MERS^Deutsche Bank assignment establishes BAC’s status as “a person entitled to enforce” the note, NRS 104.3301, and to foreclose the deed of trust.”
Eagle SPE NV I, Inc. v. Kiley Ranch Communities, 5 F. Supp. 3d 1238 (D. Nev. 2014). “3d 249, 252-53 (2012) (citing Nev.Rev.Stat. § 104.3301; Edelstein v. Bank of N.”
Quiroga v. Chen, 735 F. Supp. 2d 1226 (D. Nev. 2010). “This is consistent with Nevada Revised Statute § 104.3301, which allows a negotiable instruments to be enforced by the holder of the note or a nonholder in possession of the note who has the rights of a holder.”
Branch Banking & Trust Co. v. R&S St. Rose, LLC (D. Nev. 2019). “The Court 8 finds that NRS § 104.3301 (“Person entitled to enforce instrument”) is not applicable here.”
Herrera (D. Nev. 2026). “See NRS § 104.3301(1) (“Person entitled to enforce” a negotiable 9 instrument means “[t]he holder of the instrument” or the “nonholder in possession of the 10 instrument who has the rights of a holder”).”
Nationstar Mortg. LLC v. Ron Haus (9th Cir. 2020). “See Nev. Rev. Stat. § 104.3301 (2) (different entities may be the owner of a note and the holder entitled to enforce it).”
M&T Bank Vs. Chersus Holdings, Llc (Nev. 2020). “NRS 104.3301(2) (recognizing that a note holder is not necessarily its owner).”
Wilmington Sav. Fund Soc'Y Vs. Deaver (Nev. 2021). “3 Although possession of the original promissory note is generally required to enforce the note, see NRS 104.3301, no such requirement exists to foreclose on a deed of trust.”
RH Kids, LLC v. Nat'l Default Servicing Corp. (D. Nev. 2023). ““Although possession of the 11 original promissory note is generally required to enforce the note, see NRS 104.3301, no such 12 requirement exists to foreclose on a deed of trust.”
Nev. Rev. Stat. § 104.3301(1): 3 cases
In re Phillips, 491 B.R. 255 (Bankr. D. Nev. 2013). “See Nev.Rev.Stat. § 104.3301(1) (2011) (entitlement to enforce negotiable instrument not dependent on existence or validity of a security instrument); Edelstein, 286 P.”
In re Stanley, 514 B.R. 27 (Bankr. D. Nev. 2012). “Article 3 as adopted in Nevada defines a “person entitled to enforce” an instrument as: “(a) The holder of the instrument; [or] (b) A nonholder in possession of the instrument who has the rights of a holder_” 17 Nev.Rev.Stat. § 104.3301(1). BAC thus must show that it is a holder…”
Herrera (D. Nev. 2026). “See NRS § 104.3301(1) (“Person entitled to enforce” a negotiable 9 instrument means “[t]he holder of the instrument” or the “nonholder in possession of the 10 instrument who has the rights of a holder”).”
Nev. Rev. Stat. § 104.3301(2): 2 cases
In re Stanley, 514 B.R. 27 (Bankr. D. Nev. 2012). “Article 3 as adopted in Nevada defines a “person entitled to enforce” an instrument as: “(a) The holder of the instrument; [or] (b) A nonholder in possession of the instrument who has the rights of a holder_” 17 Nev.Rev.Stat. § 104.3301(1). BAC thus must show that it is a holder…”
M&T Bank Vs. Chersus Holdings, Llc (Nev. 2020). “NRS 104.3301(2) (recognizing that a note holder is not necessarily its owner).”
Nev. Rev. Stat. § 104.3301(l)(a): 1 case
Leyva v. Nat'l Default Servicing Corp., 255 P.3d 1275 (Nev. 2011). “The obligor on the note has the right to know the identity of the entity that is “entitled to enforce” the mortgage note under Article 3, see NRS 104.3301, “[otherwise, the [homeowner] may pay funds to a stranger to the case.”
Nev. Rev. Stat. § 104.3301(l)(c): 2 cases
In re Stanley, 514 B.R. 27 (Bankr. D. Nev. 2012). “Article 3 as adopted in Nevada defines a “person entitled to enforce” an instrument as: “(a) The holder of the instrument; [or] (b) A nonholder in possession of the instrument who has the rights of a holder_” 17 Nev.Rev.Stat. § 104.3301(1). BAC thus must show that it is a holder…”
In re Phillips, 491 B.R. 255 (Bankr. D. Nev. 2013). “See Nev.Rev.Stat. § 104.3301(1) (2011) (entitlement to enforce negotiable instrument not dependent on existence or validity of a security instrument); Edelstein, 286 P.”
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