White Paper

12 Pages
  • 12 Pages

Understanding the Legal Issues of Endorsements - Rights and Responsibilities


Having an understanding of endorsements and handling checks is crucial to making sound check cashing decisions.

Checks and notes are a negotiable instrument where the right to enforce the obligation can be transferred through endorsements on the back of the item. The liabilities and defenses of banks and other parties (including bank customers) arising out of the payment of forged checks, altered checks, and checks with forged endorsements are governed largely by provisions in Articles 3 and 4 of the Uniform Commercial Code. This white paper provides an overview of negotiable instruments, and reviews rights and responsibilities to checks.



Eric M. Hurwitz

Eric M. Hurwitz

Stradley Ronon Stevens & Young, LLP

  • Partner in the office of Stradley, Ronon, Stevens & Young, LLP
  • Co-chair of the firm’s Financial Services Litigation practice group
  • Practice focused on defending financial institutions from claims arising out of nearly every type of consumer and commercial financial product
  • Defends both single plaintiff and class action lawsuits against banks, mortgage lenders and servicers, student lenders, credit card companies, auto finance companies, debt collection companies and other financial services institutions
  • Conducts regular seminars and workshops on numerous consumer finance topics.
  • Author of publications concerning the mortgage industry, including servicing regulations promulgated by the Consumer Financial Protection Bureau and standing challenges to foreclosures
  • B.A., University of Texas at Austin
  • J.D., Boston University School of Law
  • South Jersey Biz, Best Attorneys in Business for litigation
  • Contact information [email protected] or 856-321-2406
Michelle H. Badolato

Michelle H. Badolato

Stradley Ronon Stevens & Young, LLP

  • Counsel at Stradley Ronon Stevens & Young, LLP
  • Concentrates her practice in the areas of financial services litigation, banking litigation and law, commercial litigation, foreclosure, and bankruptcy
  • Background spans a variety of other practice areas, including construction law, intellectual property, real estate transactions, insurance defense, family law, and probate matters
  • Member of the financial services litigation group, which resolves disputes involving consumer and commercial financial products or services
  • Recognized by the New Jersey Law Journal’s “40 Under 40,” comprised of the top young professionals in the New Jersey legal community
  • J.D. degree, Widener University School of Law; B.A. degree, Gettysburg College
  • Can be contacted at 856-321-2401 or [email protected]

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