Forged and Missing Endorsement and Altered Checks

The UCC is the main source of law on liability for checks with forged drawer signatures, forged endorsements (forged payee signatures), and alterations.

The UCC is quite complicated. Basic liability is followed by a variety of defenses, then followed by counter defenses and exceptions. Bankers need to understand these rules and defenses when they make decisions about check-handling procedures and about what actions to take when a forgery is reported.

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