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Arizona Revised Statutes - Title 47 Uniform Commercial Code - Chapter 3 Negotiable Instruments

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  • 47-3101 - Short title
    This chapter may be cited as the Uniform Commercial Code -- Negotiable Instruments.
  • 47-3102 - Subject matter
    A. This chapter applies to negotiable instruments. It does not apply to money, to payment orders governed by chapter 4A of this title or to...
  • 47-3103 - Definitions
    A. In this chapter: 1. "Acceptor" means a drawee who has accepted a draft. 2. "Drawee" means a person ordered in a draft to make...
  • 47-3104 - Negotiable instrument
    A. Except as provided in subsections C and D, "negotiable instrument" means an unconditional promise or order to pay a fixed amount of money, with...
  • 47-3105 - Issue of instrument
    A. "Issue" means the first delivery of an instrument by the maker or drawer, whether to a holder or nonholder, for the purpose of giving...
  • 47-3106 - Unconditional promise or order
    A. Except as provided in this section, for the purposes of section 47-3104, subsection A, a promise or order is unconditional unless it states: 1....
  • 47-3107 - Instrument payable in foreign money
    Unless the instrument otherwise provides, an instrument that states the amount payable in foreign money may be paid in the foreign money or in an...
  • 47-3108 - Payable on demand or at definite time
    A. A promise or order is "payable on demand" if it: 1. States that it is payable on demand or at sight, or otherwise indicates...
  • 47-3109 - Payable to bearer or to order
    A. A promise or order is payable to bearer if it: 1. States that it is payable to bearer or to the order of bearer...
  • 47-3110 - Identification of person to whom instrument is payable
    A. The person to whom an instrument is initially payable is determined by the intent of the person, whether or not authorized, signing as, or...
  • 47-3111 - Place of payment
    Except as otherwise provided for items in chapter 4 of this title, an instrument is payable at the place of payment stated in the instrument....
  • 47-3112 - Interest
    A. Unless otherwise provided in the instrument: 1. An instrument is not payable with interest; and 2. Interest on an interest-bearing instrument is payable from...
  • 47-3113 - Date of instrument
    A. An instrument may be antedated or postdated. The date stated determines the time of payment if the instrument is payable at a fixed period...
  • 47-3114 - Contradictory terms of instrument
    If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.
  • 47-3115 - Incomplete instrument
    A. "Incomplete instrument" means a signed writing, whether or not issued by the signer, the contents of which show at the time of signing that...
  • 47-3116 - Joint and several liability; contribution
    A. Except as otherwise provided in the instrument, two or more persons who have the same liability on an instrument as makers, drawers, acceptors, indorsers...
  • 47-3117 - Other agreements affecting instrument
    Subject to applicable law regarding exclusion of proof of contemporaneous or previous agreements, the obligation of a party to an instrument to pay the instrument...
  • 47-3118 - Statute of limitations
    A. Except as provided in subsection E, an action to enforce the obligation of a party to pay a note payable at a definite time...
  • 47-3119 - Notice of right to defend action
    In an action for breach of an obligation for which a third person is answerable over pursuant to this chapter or chapter 4 of this...
  • 47-3201 - Negotiation
    A. "Negotiation" means a transfer of possession, whether voluntary or involuntary, of an instrument by a person other than the issuer to a person who...
  • 47-3202 - Negotiation subject to rescission
    A. Negotiation is effective even if obtained: 1. From an infant, a corporation exceeding its powers or a person without capacity; 2. By fraud, duress...
  • 47-3203 - Transfer of instrument; rights acquired by transfer
    A. An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving...
  • 47-3204 - Indorsement
    A. "Indorsement" means a signature, other than that of a signer as maker, drawer or acceptor, that alone or accompanied by other words is made...
  • 47-3205 - Special indorsement; blank indorsement; anomalous indorsement
    A. If an indorsement is made by the holder of an instrument, whether payable to an identified person or payable to bearer, and the indorsement...
  • 47-3206 - Restrictive indorsement
    A. An indorsement limiting payment to a particular person or otherwise prohibiting further transfer or negotiation of the instrument is not effective to prevent further...
  • 47-3207 - Reacquisition
    Reacquisition of an instrument occurs if it is transferred to a former holder, by negotiation or otherwise. A former holder who reacquires the instrument may...
  • 47-3301 - Person entitled to enforce instrument
    "Person entitled to enforce" an instrument means the holder of the instrument, a nonholder in possession of the instrument who has the rights of a...
  • 47-3302 - Holder in due course
    A. Subject to subsection C of this section and section 47-3106, subsection D, "holder in due course" means the holder of an instrument if: 1....
  • 47-3303 - Value and consideration
    A. An instrument is issued or transferred for value if: 1. The instrument is issued or transferred for a promise of performance, to the extent...
  • 47-3304 - Overdue instrument
    A. An instrument payable on demand becomes overdue at the earliest of the following times: 1. On the day after the day demand for payment...
  • 47-3305 - Defenses and claims in recoupment
    A. Except as stated in subsection B of this section, the right to enforce the obligation of a party to pay an instrument is subject...
  • 47-3306 - Claims to an instrument
    A person taking an instrument, other than a person having rights of a holder in due course, is subject to a claim of a property...
  • 47-3307 - Notice of breach of fiduciary duty
    A. In this section: 1. "Fiduciary" means an agent, trustee, partner, corporate officer or director or other representative owing a fiduciary duty with respect to...
  • 47-3308 - Proof of signatures and status as holder in due course
    A. In an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically...
  • 47-3309 - Enforcement of lost, destroyed or stolen instrument
    A. A person not in possession of an instrument is entitled to enforce the instrument if: 1. The person was in possession of the instrument...
  • 47-3310 - Effect of instrument on obligation for which taken
    A. Unless otherwise agreed, if a certified check, cashier's check or teller's check is taken for an obligation, the obligation is discharged to the same...
  • 47-3311 - Accord and satisfaction by use of instrument
    A. If a person against whom a claim is asserted proves that the person in good faith tendered an instrument to the claimant as full...
  • 47-3312 - Lost, destroyed or stolen cashier's check, teller's check or certified check
    A. In this section: 1. "Check" means a cashier's check, teller's check or certified check. 2. "Claimant" means a person who claims the right to...
  • 47-3401 - Signature
    A. A person is not liable on an instrument unless: 1. The person signed the instrument; or 2. The person is represented by an agent...
  • 47-3402 - Signature by representative
    A. If a person acting, or purporting to act, as a representative signs an instrument by signing either the name of the represented person or...
  • 47-3403 - Unauthorized signature
    A. Unless otherwise provided in this chapter or chapter 4 of this title, an unauthorized signature is ineffective except as the signature of the unauthorized...
  • 47-3404 - Impostors; fictitious payees
    A. If an impostor, by use of the mails or otherwise, induces the issuer of an instrument to issue the instrument to the impostor, or...
  • 47-3405 - Employer's responsibility for fraudulent indorsement by employee
    A. In this section: 1. "Employee" includes an independent contractor and employee of an independent contractor retained by the employer. 2. "Fraudulent indorsement" means: (a)...
  • 47-3406 - Negligence contributing to forged signature or alteration of instrument
    A. A person whose failure to exercise ordinary care substantially contributes to an alteration of an instrument or to the making of a forged signature...
  • 47-3407 - Alteration
    A. "Alteration" means: 1. An unauthorized change in an instrument that purports to modify in any respect the obligation of a party; or 2. An...
  • 47-3408 - Drawee not liable on unaccepted draft
    A check or other draft does not of itself operate as an assignment of funds in the hands of the drawee available for its payment,...
  • 47-3409 - Acceptance of draft; certified check
    A. "Acceptance" means the drawee's signed agreement to pay a draft as presented. It must be written on the draft and may consist of the...
  • 47-3410 - Acceptance varying draft
    A. If the terms of a drawee's acceptance vary from the terms of the draft as presented, the holder may refuse the acceptance and treat...
  • 47-3411 - Refusal to pay cashier's checks, teller's checks and certified checks
    A. In this section, "obligated bank" means the acceptor of a certified check or the issuer of a cashier's check or teller's check bought from...
  • 47-3412 - Obligation of issuer of note or cashier's check
    The issuer of a note or cashier's check or other draft drawn on the drawer is obliged to pay the instrument: 1. According to its...
  • 47-3413 - Obligation of acceptor
    A. The acceptor of a draft is obliged to pay the draft: 1. According to its terms at the time it was accepted, even though...
  • 47-3414 - Obligation of drawer
    A. This section does not apply to cashier's checks or other drafts drawn on the drawer. B. If an unaccepted draft is dishonored, the drawer...
  • 47-3415 - Obligation of indorser
    A. Subject to subsections B, C, D and E of this section and to section 47-3419, subsection D, if an instrument is dishonored, an indorser...
  • 47-3416 - Transfer warranties
    A. A person who transfers an instrument for consideration warrants to the transferee and, if the transfer is by indorsement, to any subsequent transferee that:...
  • 47-3417 - Presentment warranties
    A. If an unaccepted draft is presented to the drawee for payment or acceptance and the drawee pays or accepts the draft, the person obtaining...
  • 47-3418 - Payment or acceptance by mistake
    A. Except as provided in subsection C of this section, if the drawee of a draft pays or accepts the draft and the drawee acted...
  • 47-3419 - Instruments signed for accommodation
    A. If an instrument is issued for value given for the benefit of a party to the instrument ("accommodated party") and another party to the...
  • 47-3420 - Conversion of instrument
    A. The law applicable to conversion of personal property applies to instruments. An instrument is also converted if it is taken by transfer, other than...
  • 47-3501 - Presentment
    A. "Presentment" means a demand made by or on behalf of a person entitled to enforce an instrument: 1. To pay the instrument made to...
  • 47-3502 - Dishonor
    A. Dishonor of a note is governed by the following rules: 1. If the note is payable on demand, the note is dishonored if presentment...
  • 47-3503 - Notice of dishonor
    A. The obligation of an indorser stated in section 47-3415, subsection A and the obligation of a drawer stated in section 47-3414, subsection D may...
  • 47-3504 - Excused presentment and notice of dishonor
    A. Presentment for payment or acceptance of an instrument is excused if: 1. The person entitled to present the instrument cannot with reasonable diligence make...
  • 47-3505 - Evidence of dishonor
    A. The following are admissible as evidence and create a presumption of dishonor and of any notice of dishonor stated: 1. A document regular in...
  • 47-3601 - Discharge and effect of discharge
    A. The obligation of a party to pay the instrument is discharged as stated in this chapter or by an act or agreement with the...
  • 47-3602 - Payment
    A. Subject to subsection B of this section, an instrument is paid to the extent payment is made by or on behalf of a party...
  • 47-3603 - Tender of payment
    A. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of...
  • 47-3604 - Discharge by cancellation or renunciation
    A. A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument: 1. By...
  • 47-3605 - Discharge of indorsers and accommodation parties
    A. In this section, the term "indorser" includes a drawer having the obligation described in section 47-3414, subsection D. B. Discharge, under section 47-3604, of...
  • Last modified: February 20, 2012