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

Utah Code § 70A-3-403 (2026)

Unauthorized signature

✓ current as of May 2026
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Unless otherwise provided in this chapter or Title 70A, Chapter 4, Uniform Commercial Code - Bank Deposits and Collections, an unauthorized signature is ineffective except as the signature of the unauthorized signer in favor of a person who in good faith pays the instrument or takes it for value. An unauthorized signature may be ratified for all purposes of this chapter.
If the signature of more than one person is required to constitute the authorized signature of an organization, the signature of the organization is unauthorized if one of the required signatures is lacking.
The civil or criminal liability of a person who makes an unauthorized signature is not affected by any provision of this chapter which makes the unauthorized signature effective for the purposes of this chapter.

Repealed and Re-enacted by Chapter 237, 1993 General Session

Notes of Decisions
Cited in 8 cases, 1977–1993 · leading case: Mountain States Tel. & Tel. Co. v. Payne, 782 P.2d 464 (Utah 1989).
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Mountain States Tel. & Tel. Co. v. Payne, 782 P.2d 464 (Utah 1989). · cites it 12× “The law governing liability and negotiable instruments is found in section 3-403 of the Uniform Commercial Code, Utah Code Ann. § 70A-3-403 (1980). Section 70A-3-403 states in pertinent part: (2) An authorized representative who signs his own name to an instrument (a) is…”
Bushnell Real Est., Inc. v. Nielson, 672 P.2d 746 (Utah 1983). “, 1953, § 70A-3-403 (1980 edition), which states that “[a]n authorized representative who signs his own name to an instrument is personally obligated if the instrument neither names the person represented nor shows that the representative signed in a representative capacity.”
Mountain Am. Credit Union v. McClellan, 854 P.2d 590 (Utah Ct. App. 1993). · cites it 2× “Section 3-403 of the UCC, Utah Code Ann. § 70A-3-403, provides in pertinent part: (2) An authorized representative who signs his own name to an instrument (a) is personally obligated if the instrument neither names the person represented nor shows that the representative signed…”
Gillham Advert. Agency, Inc. v. Ipson, 567 P.2d 163 (Utah 1977). · cites it 2× “NOTES [1] See § 70A-3-403(3) U.C.A. 1953, as enacted 1965, "Except as otherwise established the name of an organization preceded or followed by the name and office of an authorized individual is a signature made in a representative capacity.”
Anderson v. Gardner, 647 P.2d 3 (Utah 1982). “, 1953, § 70A-3-403(2)(a). Under that section an “authorized representative” who signs his name to an “instrument” is nevertheless personally obligated “if the instrument neither names the person represented nor shows that the representative signed in a representative capacity .”
State v. Collins, 597 P.2d 1317 (Utah 1979). · cites it 2× “Section 70A-3-403(l), provides: A signature may be made by an agent or other representative, and his authority to make it may be established as in other cases of representation.”
Marveon Sign Co. v. Roennebeck, 694 P.2d 604 (Utah 1984). “, 1953, § 70A-3-403(2)(a)) that a signer is personally liable “if the instrument neither names the person nor shows that the representative signed in a representative capacity.”
Myers v. Morgan, 626 P.2d 410 (Utah 1981). · cites it 2× “He also cites Section 70A-3-403(2), which states: An authorized representative who signs his own name to an instrument (a) is personally obligated if the instrument neither names the person represented nor shows that the representative signed in a representative capacity .”
Utah Code § 70A-3-403(2): 1 case
Myers v. Morgan, 626 P.2d 410 (Utah 1981). “He also cites Section 70A-3-403(2), which states: An authorized representative who signs his own name to an instrument (a) is personally obligated if the instrument neither names the person represented nor shows that the representative signed in a representative capacity .”
Utah Code § 70A-3-403(2)(a): 2 cases
Anderson v. Gardner, 647 P.2d 3 (Utah 1982). “, 1953, § 70A-3-403(2)(a). Under that section an “authorized representative” who signs his name to an “instrument” is nevertheless personally obligated “if the instrument neither names the person represented nor shows that the representative signed in a representative capacity .”
Marveon Sign Co. v. Roennebeck, 694 P.2d 604 (Utah 1984). “, 1953, § 70A-3-403(2)(a)) that a signer is personally liable “if the instrument neither names the person nor shows that the representative signed in a representative capacity.”
Utah Code § 70A-3-403(2)(b): 1 case
Mountain States Tel. & Tel. Co. v. Payne, 782 P.2d 464 (Utah 1989). “The law governing liability and negotiable instruments is found in section 3-403 of the Uniform Commercial Code, Utah Code Ann. § 70A-3-403 (1980). Section 70A-3-403 states in pertinent part: (2) An authorized representative who signs his own name to an instrument (a) is…”
Utah Code § 70A-3-403(3): 1 case
Gillham Advert. Agency, Inc. v. Ipson, 567 P.2d 163 (Utah 1977). “NOTES [1] See § 70A-3-403(3) U.C.A. 1953, as enacted 1965, "Except as otherwise established the name of an organization preceded or followed by the name and office of an authorized individual is a signature made in a representative capacity.”
Utah Code § 70A-3-403(l): 1 case
State v. Collins, 597 P.2d 1317 (Utah 1979). “Section 70A-3-403(l), provides: A signature may be made by an agent or other representative, and his authority to make it may be established as in other cases of representation.”
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