Utah Code » Title 70A, Chapter 3 — Uniform Commercial Code - Negotiable Instruments; part 70A-3-4 — Liability of Parties
Utah Code

Utah Code § 70A-3-401 (2026)

Signature necessary for liability on instrument

✓ current as of May 2026
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A person is not liable on an instrument unless:

the person signed the instrument; or
the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 70A-3-402.
Notes of Decisions
Cited in 4 cases (1 in the last 5 years), 1981–2022 · leading case: Zions First Nat'l Bank v. Clark Clinic Corp., 762 P.2d 1090 (Utah 1988).
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Zions First Nat'l Bank v. Clark Clinic Corp., 762 P.2d 1090 (Utah 1988). · cites it 2× “Although Zions claims that "[s]ince the ruling of the trial court was predicated upon the defendant’s ratification [of the loan agreement and promissory note], the issue of apparent or implied authority is immaterial and irrelevant to this appeal,” it is clear from the explicit…”
Horman v. Gordon, 740 P.2d 1346 (Utah Ct. App. 1987). · cites it 2× “Utah Code Ann. § 70A-3-401(l) (1981): "No person is liable on an instrument unless his signature appears thereon.”
Myers v. Morgan, 626 P.2d 410 (Utah 1981). · cites it 4× “In support of his argument that he is not liable for the indebtedness, defendant Green places reliance on Section 70A-3-401(1), U.C.A. 1953, which provides: No person is liable on an instrument unless his signature appears thereon.”
Baer v. Myers (Bankr. D. Utah 2022). · cites it 4× “101 Utah Code Ann. § 70A-3-401(1)(a). 102 See Horman v.”
— Utah Code § 70A-3-401(1) — 1 case
Myers v. Morgan, 626 P.2d 410 (Utah 1981). “In support of his argument that he is not liable for the indebtedness, defendant Green places reliance on Section 70A-3-401(1), U.C.A. 1953, which provides: No person is liable on an instrument unless his signature appears thereon.”
— Utah Code § 70A-3-401(1)(a) — 1 case
Baer v. Myers (Bankr. D. Utah 2022). “101 Utah Code Ann. § 70A-3-401(1)(a). 102 See Horman v.”
— Utah Code § 70A-3-401(l) — 2 cases
Horman v. Gordon, 740 P.2d 1346 (Utah Ct. App. 1987). “Utah Code Ann. § 70A-3-401(l) (1981): "No person is liable on an instrument unless his signature appears thereon.”
Myers v. Morgan, 626 P.2d 410 (Utah 1981). “In support of his argument that he is not liable for the indebtedness, defendant Green places reliance on Section 70A-3-401(1), U.C.A. 1953, which provides: No person is liable on an instrument unless his signature appears thereon.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.