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These documents are currently being revised to incorporate the changes made during the 2024 Legislative Session. Please consult the Sections Affected Table for changes made during the 2024 Legislative Session.

Article 3

NEGOTIABLE INSTRUMENTS

Sections

PART 1
GENERAL PROVISIONS AND DEFINITIONS
HTMLPDF 62A.3-101Short title.
HTMLPDF 62A.3-102Subject matter.
HTMLPDF 62A.3-103Definitions.
HTMLPDF 62A.3-104Negotiable instrument.
HTMLPDF 62A.3-105Issue of instrument.
HTMLPDF 62A.3-106Unconditional promise or order.
HTMLPDF 62A.3-107Instrument payable in foreign money.
HTMLPDF 62A.3-108Payable on demand or at definite time.
HTMLPDF 62A.3-109Payable to bearer or to order.
HTMLPDF 62A.3-110Identification of person to whom instrument is payable.
HTMLPDF 62A.3-111Place of payment.
HTMLPDF 62A.3-112Interest.
HTMLPDF 62A.3-113Date of instrument.
HTMLPDF 62A.3-114Contradictory terms of instrument.
HTMLPDF 62A.3-115Incomplete instrument.
HTMLPDF 62A.3-116Joint and several liability; contribution.
HTMLPDF 62A.3-117Other agreements affecting instrument.
HTMLPDF 62A.3-118Statute of limitations.
HTMLPDF 62A.3-119Notice of right to defend action.
PART 2
NEGOTIATION, TRANSFER, AND INDORSEMENT
HTMLPDF 62A.3-201Negotiation.
HTMLPDF 62A.3-202Negotiation subject to rescission.
HTMLPDF 62A.3-203Transfer of instrument; rights acquired by transfer.
HTMLPDF 62A.3-204Indorsement.
HTMLPDF 62A.3-205Special indorsement; blank indorsement; anomalous indorsement.
HTMLPDF 62A.3-206Restrictive indorsement.
HTMLPDF 62A.3-207Reacquisition.
PART 3
ENFORCEMENT OF INSTRUMENTS
HTMLPDF 62A.3-301Person entitled to enforce instrument.
HTMLPDF 62A.3-302Holder in due course.
HTMLPDF 62A.3-303Value and consideration.
HTMLPDF 62A.3-304Overdue instrument.
HTMLPDF 62A.3-305Defenses and claims in recoupment.
HTMLPDF 62A.3-306Claims to an instrument.
HTMLPDF 62A.3-307Notice of breach of fiduciary duty.
HTMLPDF 62A.3-308Proof of signatures and status as holder in due course.
HTMLPDF 62A.3-309Enforcement of lost, destroyed, or stolen instrument.
HTMLPDF 62A.3-310Effect of instrument on obligation for which taken.
HTMLPDF 62A.3-311Accord and satisfaction by use of instrument.
HTMLPDF 62A.3-312Lost, destroyed, or stolen cashier's check, teller's check, or certified check.
PART 4
LIABILITY OF PARTIES
HTMLPDF 62A.3-401Signature.
HTMLPDF 62A.3-402Signature by representative.
HTMLPDF 62A.3-403Unauthorized signature.
HTMLPDF 62A.3-404Impostors; fictitious payees.
HTMLPDF 62A.3-405Employer's responsibility for fraudulent indorsement by employee.
HTMLPDF 62A.3-406Negligence contributing to forged signature or alteration of instrument.
HTMLPDF 62A.3-407Alteration.
HTMLPDF 62A.3-408Drawee not liable on unaccepted draft.
HTMLPDF 62A.3-409Acceptance of draft; certified check.
HTMLPDF 62A.3-410Acceptance varying draft.
HTMLPDF 62A.3-411Refusal to pay cashier's checks, teller's checks, and certified checks.
HTMLPDF 62A.3-412Obligation of issuer of note or cashier's check.
HTMLPDF 62A.3-413Obligation of acceptor.
HTMLPDF 62A.3-414Obligation of drawer.
HTMLPDF 62A.3-415Obligation of indorser.
HTMLPDF 62A.3-416Transfer warranties.
HTMLPDF 62A.3-417Presentment warranties.
HTMLPDF 62A.3-418Payment or acceptance by mistake.
HTMLPDF 62A.3-419Instruments signed for accommodation.
HTMLPDF 62A.3-420Conversion of instrument.
PART 5
DISHONOR
HTMLPDF 62A.3-501Presentment.
HTMLPDF 62A.3-502Dishonor.
HTMLPDF 62A.3-503Notice of dishonor.
HTMLPDF 62A.3-504Excused presentment and notice of dishonor.
HTMLPDF 62A.3-505Evidence of dishonor.
HTMLPDF 62A.3-512Credit cards—As identification—In lieu of deposit.
HTMLPDF 62A.3-515Checks dishonored by nonacceptance or nonpayment; liability for interest; rate; collection costs and attorneys' fees; satisfaction of claim.
HTMLPDF 62A.3-520Statutory form for notice of dishonor.
HTMLPDF 62A.3-522Notice of dishonor—Affidavit of service by mail.
HTMLPDF 62A.3-525Consequences for failing to comply with requirements.
HTMLPDF 62A.3-530Collection agencies—Checks dishonored by nonacceptance or nonpayment; liability for interest; rate; collection costs and attorneys' fees; satisfaction of claim.
HTMLPDF 62A.3-540Collection agencies—Statutory form for notice of dishonor.
HTMLPDF 62A.3-550Collection agencies—Consequences for failing to comply with requirements.
PART 6
DISCHARGE AND PAYMENT
HTMLPDF 62A.3-601Discharge and effect of discharge.
HTMLPDF 62A.3-602Payment.
HTMLPDF 62A.3-603Tender of payment.
HTMLPDF 62A.3-604Discharge by cancellation or renunciation.
HTMLPDF 62A.3-605Discharge of indorsers and accommodation parties.
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