Wisconsin Statutes
Wis. Stat. § 403.204 (2026)
Endorsement
✓ current as of July 2026
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403.204(1)(1) “Endorsement” means a signature, other than that of a signer as maker, drawer or acceptor, that alone or accompanied by other words is made on an instrument for the purpose of negotiating the instrument, restricting payment of the instrument or incurring the endorser’s liability on the instrument, but regardless of the intent of the signer, a signature and its accompanying words is an endorsement unless the accompanying words, terms of the instrument, place of the signature or other circumstances unambiguously indicate that the signature was made for a purpose other than endorsement. For the purpose of determining whether a signature is made on an instrument, a paper affixed to the instrument is a part of the instrument.
403.204(3)(3) For the purpose of determining whether the transferee of an instrument is a holder, an endorsement that transfers a security interest in the instrument is effective as an unqualified endorsement of the instrument.
403.204(4)(4) If an instrument is payable to a holder under a name that is not the name of the holder, endorsement may be made by the holder in the name stated in the instrument or in the holder’s name or both, but signature in both names may be required by a person paying or taking the instrument for value or collection.
Notes of Decisions
Cited in 3
cases, 2000–2018 · leading case: Tissue Tech. LLC v. TAK Invs. LLC, 320 F. Supp. 3d 993 (E.D. Wis. 2018).
Tissue Tech. LLC v. TAK Invs. LLC, 320 F. Supp. 3d 993 (E.D. Wis. 2018). “Wis. Stat. § 403.204 (3) ; see also Curtis v.”
Rinaldi v. HSBC Bank USA, N.A., 487 B.R. 516 (Bankr. E.D. Wis. 2013). “LEXIS 5065, at *21-22, citing Wis. Stat. § 403.204 (1). As the bearer of a note endorsed in blank, HSBC is a holder of the Note, and HSBC is entitled to enforce the Note against Mr.”
State v. Czarnecki, 2000 WI App 155 (Wis. Ct. App. 2000). “Indeed, a person may adopt any name he or she chooses, so long as it is used for an honest purpose. If there was an absence of facts supporting the intent to defraud here, Czarnecki's position might be well taken, but such is not the case.”
— Wis. Stat. § 403.204(4) — 1 case
State v. Czarnecki, 2000 WI App 155 (Wis. Ct. App. 2000). “Indeed, a person may adopt any name he or she chooses, so long as it is used for an honest purpose. If there was an absence of facts supporting the intent to defraud here, Czarnecki's position might be well taken, but such is not the case.”
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