Answer:
by Randy Carey
Any claim of forged endorsement would have to be filed by business #2 and not your customer. This now sounds like a civil manner between business #1 and #2.
Answer:
by John Burnett
Basic rule: If you need an affidavit of a forgery, you must obtain it from the party claiming their signature was forged. You customer cannot possible know whether the payee's indorsement was forged. That's something only the payee can attest to.
so --
If the forgery is of the check issuer's signature, the check issuer provides the affidavit
If the forgery is of the payee's signature, the payee provides the affidavit.