Skip to content

Spousal Signature Forgery

Answered by: 

Question: 
A check came across our non-post, and upon review it was revealed that the wife of the account holder had forged his signature and wrote the check to pay a bill. This appears to be a regular occurrence. The wife is not on the checking account. Does this constitute fraud or violate any other rules or regulations?
Answer: 

There's not a black and white answer to this question. If the wife has been signing her husband's name to his checks for a long time, and he hasn't raised a fuss, he may have ratified her actions. If he benefited from the payments his wife made from his account, he can't press a forgery or fraud case very far, either. Even if the wife was paying one of her own obligations without her husband's permission to sign his name, the "repeat wrongdoer" rule in 4-406 of the UCC would limit the bank's exposure.

First published on BankersOnline.com 3/01/10

First published on 03/01/2010

Filed under: 
Filed under security as: 

Banker Store View All

From training, policies, forms, and publications, to office products and occasional gifts, it’s available here:

Banker Store

hot right now

image description

Looking for effective, convenient training on a particular subject?

BOL Learning Connect offers more than 200 courses ON-DEMAND or on CD ROM from AML to Reg Z and every topic in between.

Search Topics