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Florida Statutes

Fla. Stat. § 673.3011 (2025)

Person entitled to enforce instrument.

✓ 2025 Florida Statutes: current through the 2025 Regular Session
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673.3011 Person entitled to enforce instrument.—The term “person entitled to enforce” an instrument means:
(1) The holder of the instrument;
(2) A nonholder in possession of the instrument who has the rights of a holder; or
(3) A person not in possession of the instrument who is entitled to enforce the instrument pursuant to s. 673.3091 or s. 673.4181(4).

A person may be a person entitled to enforce the instrument even though the person is not the owner of the instrument or is in wrongful possession of the instrument.

History.—s. 2, ch. 92-82.
Notes of Decisions
Cited in 123 cases (14 in the last 5 years), 2001–2025 · leading case: Gafoor Jaffer & Nina Jaffer v. Chase Home Fin., LLC, 155 So. 3d 1199 (Fla. 4th DCA 2015).
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Gafoor Jaffer & Nina Jaffer v. Chase Home Fin., LLC, 155 So. 3d 1199 (Fla. 4th DCA 2015). · cites it 16× “3011, Florida Statutes (2013), defines who may enforce a negotiable instrument and enforce payment of the debt: The term “person entitled to enforce” an instrument means: (1) The holder of the instrument; (2) A nonholder in possession of the instrument who has the rights of a…”
Fed. Nat'l Mortg. Ass'n v. McFadyen, 194 So. 3d 418 (Fla. 3d DCA 2016). · cites it 10× “§ 673.3011, Fla. Stat. (2015). Fannie Mae’s claim below was' that it was entitled to enforce the Probert promissory note although not in possession of it.”
Mario A. Rodriguez & Lendy Rodriguez v. Wells Fargo Bank, N.A. d/b/a Am.'s Servicing Co., 178 So. 3d 62 (Fla. 4th DCA 2015). · cites it 8× “§ 673.3011, Fla. Stat. (2010). As can be seen from the statutory requirements, the person or entity entitled to enforce the note must have the rights of a holder.”
Donna Murray & Marc Murray v. HSBC Bank USA, 157 So. 3d 355 (Fla. 4th DCA 2015). · cites it 6× “” § 673.3011, Fla. Stat. (2013). A “holder” is defined as “[t]he person in possession of a negotiable instrument that is payable either to bearer or to an identified person that is the person in possession.”
Brindise v. U.S. Bank Nat'l Ass'n, 183 So. 3d 1215 (Fla. 2d DCA 2016). · cites it 4× “Bank alleged and proved that it held the note at the time it filed suit. On appeal, the Brindises do not challenge U.”
Deutsche Bank Nat'l Trust Co. v. Hagstrom, 203 So. 3d 918 (Fla. 2d DCA 2016). · cites it 7× “§ 673.3011 (identifying the three categories of persons entitled to enforce a note); Rodriguez, 178 So.”
Wells Fargo Bank, N.A. v. Morcom, 125 So. 3d 320 (Fla. 5th DCA 2013). · cites it 5× “§ 673.3011, Fla. Stat. (2010). We have previously held that “[t]he party that holds the note and mortgage in question has standing to bring and maintain a foreclosure action.”
Harvey v. Deutsche Bank Nat'l Trust Co., 69 So. 3d 300 (Fla. 4th DCA 2011). · cites it 4× “" § 673.3011, Fla. Stat. (2009). A "holder" is "[t]he person in possession of a negotiable instrument that is payable either to bearer or to an identified person that is the person in possession.”
Houk v. PennyMac Corp., 210 So. 3d 726 (Fla. 2d DCA 2017). · cites it 4× “Section 673.3011, Florida Statutes (2012), addresses the question of how one may qualify as a person entitled to enforce an instrument: The term “person entitled to enforce” an instrument means: (1) The holder of the instrument; (2) A nonholder in possession of the instrument…”
Phan v. Deutsche Bank Nat'l Trust Co., 198 So. 3d 744 (Fla. 2d DCA 2016). · cites it 3× “See § 673.3011(1), Fla. Stat.' (2008) (“The term ‘person entitled to enforce’ an instrument means: the holder of the instrument^]”).”
Thomas Caraccia v. U.S. Bank, Nat'l Ass'n, 185 So. 3d 1277 (Fla. 4th DCA 2016). · cites it 2× “§ 673.3011, Fla. Stat. (2013). A holder is “the person in possession of a negotiable instrument ‘that is payablé either to bearer or to an identified person that is the person in possession.”
Taylor v. Deutsche Bank Nat'l Trust Co., 44 So. 3d 618 (Fla. 5th DCA 2010). · cites it 3× “We begin our consideration of this case with section 673.3011, Florida Statutes (2009).”
Show all 123 citing cases →
673.3011(1): 31 cases
Phan v. Deutsche Bank Nat'l Trust Co., 198 So. 3d 744 (Fla. 2d DCA 2016). “See § 673.3011(1), Fla. Stat.' (2008) (“The term ‘person entitled to enforce’ an instrument means: the holder of the instrument^]”).”
Fed. Nat'l Mortg. Ass'n v. McFadyen, 194 So. 3d 418 (Fla. 3d DCA 2016). “§ 673.3011, Fla. Stat. (2015). Fannie Mae’s claim below was' that it was entitled to enforce the Probert promissory note although not in possession of it.”
Deutsche Bank Nat'l Trust Co. v. Hagstrom, 203 So. 3d 918 (Fla. 2d DCA 2016). “§ 673.3011 (identifying the three categories of persons entitled to enforce a note); Rodriguez, 178 So.”
Fed. Nat'l Mortg. Ass'n v. Rafaeli, 225 So. 3d 264 (Fla. 4th DCA 2017).
Bank of New York Mellon Trust Co. v. Fitzgerald, 215 So. 3d 116 (Fla. 3d DCA 2017).
673.3011(2): 11 cases
Brindise v. U.S. Bank Nat'l Ass'n, 183 So. 3d 1215 (Fla. 2d DCA 2016). “Bank alleged and proved that it held the note at the time it filed suit. On appeal, the Brindises do not challenge U.”
Kiefert v. Nationstar Mortg., LLC, 153 So. 3d 351 (Fla. 1st DCA 2014).
Miller v. Kondaur Capital Corp., 91 So. 3d 218 (Fla. 4th DCA 2012).
Donna Murray & Marc Murray v. HSBC Bank USA, 157 So. 3d 355 (Fla. 4th DCA 2015). “” § 673.3011, Fla. Stat. (2013). A “holder” is defined as “[t]he person in possession of a negotiable instrument that is payable either to bearer or to an identified person that is the person in possession.”
Fed. Nat'l Mortg. Ass'n v. McFadyen, 194 So. 3d 418 (Fla. 3d DCA 2016). “§ 673.3011, Fla. Stat. (2015). Fannie Mae’s claim below was' that it was entitled to enforce the Probert promissory note although not in possession of it.”
673.3011(3): 8 cases
Gafoor Jaffer & Nina Jaffer v. Chase Home Fin., LLC, 155 So. 3d 1199 (Fla. 4th DCA 2015). “3011, Florida Statutes (2013), defines who may enforce a negotiable instrument and enforce payment of the debt: The term “person entitled to enforce” an instrument means: (1) The holder of the instrument; (2) A nonholder in possession of the instrument who has the rights of a…”
Houk v. PennyMac Corp., 210 So. 3d 726 (Fla. 2d DCA 2017). “Section 673.3011, Florida Statutes (2012), addresses the question of how one may qualify as a person entitled to enforce an instrument: The term “person entitled to enforce” an instrument means: (1) The holder of the instrument; (2) A nonholder in possession of the instrument…”
Fed. Nat'l Mortg. Ass'n v. McFadyen, 194 So. 3d 418 (Fla. 3d DCA 2016). “§ 673.3011, Fla. Stat. (2015). Fannie Mae’s claim below was' that it was entitled to enforce the Probert promissory note although not in possession of it.”
Connie L. Mielke & Blair C. Mielke v. Deutsche Bank Nat'l Trust Co., etc., 264 So. 3d 249 (Fla. 1st DCA 2019).
Ottoniel Cruz & Luz M. Cruz v. JP Morgan Chase Bank, Nat'l Ass'n, No. 4D14-3799 (Fla. 4th DCA Mar. 23, 2016).
673.3011(l): 1 case
Morris v. Deutsche Bank Nat'l Trust Co., 182 So. 3d 680 (Fla. 4th DCA 2015).
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