Florida Statute 673.3011 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXIX
COMMERCIAL RELATIONS

Chapter 673
UNIFORM COMMERCIAL CODE: NEGOTIABLE INSTRUMENTS

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F.S. 673.3011

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.

F.S. 673.3011 on Google Scholar

F.S. 673.3011 on CourtListener

Amendments to 673.3011

Annotations, Discussions, Cases:

Cases Citing Statute 673.3011

Total Results: 118

Mazine v. M & I Bank

67 So. 3d 1129, 2011 Fla. App. LEXIS 11441, 2011 WL 2937307

District Court of Appeal of Florida | Filed: Jul 22, 2011 | Docket: 60301936

Cited 18 times | Published

the note who has the rights of a holder. See § 673.3011, Fla. Stat. (2009); Taylor v. Deutsche Bank Nat

Dixon v. Express Equity Lending Group, LLLP

125 So. 3d 965, 2013 WL 2420417, 2013 Fla. App. LEXIS 8887

District Court of Appeal of Florida | Filed: Jun 5, 2013 | Docket: 60236137

Cited 17 times | Published

establish standing by any means identified in section 673.3011, Florida Statutes (2012).

Kiefert v. Nationstar Mortgage, LLC

153 So. 3d 351, 2014 Fla. App. LEXIS 20315, 2014 WL 7272951

District Court of Appeal of Florida | Filed: Dec 16, 2014 | Docket: 60245234

Cited 12 times | Published

notes and foreclose mortgages securing them. See § 673.3011(2)-(3), Fla. Stat. (2010); Mazine v. M & I Bank

Harvey v. Deutsche Bank National Trust Co.

69 So. 3d 300, 2011 Fla. App. LEXIS 10194, 2011 WL 1485310

District Court of Appeal of Florida | Filed: Jun 29, 2011 | Docket: 2360271

Cited 10 times | Published

promissory note, is the “holder of the instrument.” § 673.3011, Fla. Stat. (2009). A “holder” is “[t]he person

Beaumont v. BANK OF NEW YORK MELLON

81 So. 3d 553, 2012 WL 511288, 2012 Fla. App. LEXIS 2452

District Court of Appeal of Florida | Filed: Feb 17, 2012 | Docket: 2413680

Cited 8 times | Published

by mistake as described in section 673.4181. § 673.3011, Fla. Stat. [2] The record contains a copy of

Thomas Franklin v. Bank of America, N.A., Successor in etc.

202 So. 3d 923, 2016 Fla. App. LEXIS 15582

District Court of Appeal of Florida | Filed: Oct 19, 2016 | Docket: 4480284

Cited 7 times | Published

non-holder in possession with rights of a holder. § 673.3011(1) & (2), Fla. Stat. (2009). A holder is a “person

Stone v. BankUnited

115 So. 3d 411, 2013 Fla. App. LEXIS 7207, 2013 WL 1845584

District Court of Appeal of Florida | Filed: May 3, 2013 | Docket: 60232172

Cited 7 times | Published

who has the rights of a holder.” Id. (citing § 673.3011, Fla. Stat. (2009)). A plaintiff may prove that

Gorel v. Bank of New York Mellon

165 So. 3d 44, 2015 WL 2129505

District Court of Appeal of Florida | Filed: May 8, 2015 | Docket: 60248197

Cited 6 times | Published

owned note at time complaint was filed). Under section 673.3011, Florida Statutes (2013), a person entitled

Creadon v. U.S. Bank N.A.

166 So. 3d 952, 2015 Fla. App. LEXIS 9333, 2015 WL 3814853

District Court of Appeal of Florida | Filed: Jun 19, 2015 | Docket: 60248417

Cited 5 times | Published

So.3d 1129, 1131 (Fla. 1st DCA 2011); see also § 673.3011, Fla. Stat. (2008). Creadon’s original note had

Taylor v. Deutsche Bank National Trust Co.

44 So. 3d 618, 2010 Fla. App. LEXIS 11431, 2010 WL 3056612

District Court of Appeal of Florida | Filed: Aug 6, 2010 | Docket: 60295606

Cited 5 times | Published

begin our consideration of this case with section 673.3011, Florida Statutes (2009). That statute, which

Helix Inv. Mgmt., LP v. Privilege Direct Corp.

364 F. Supp. 3d 1343

District Court, M.D. Florida | Filed: Mar 5, 2019 | Docket: 64323125

Cited 4 times | Published

or a nonholder with certain rights. Fla. Stat. § 673.3011. According to the Oliphants, Helix is not the

Citibank, N.A. v. Olsak

208 So. 3d 227, 2016 Fla. App. LEXIS 17683

District Court of Appeal of Florida | Filed: Nov 30, 2016 | Docket: 4546368

Cited 4 times | Published

173 (Fla. 4th DCA 2012); see also § 673.3011, Fla. Stat. (2016) (stating that a “person entitled

Kenney v. HSBC Bank USA, National Ass'n

175 So. 3d 377, 2015 Fla. App. LEXIS 14073, 2015 WL 5665217

District Court of Appeal of Florida | Filed: Sep 24, 2015 | Docket: 60250560

Cited 4 times | Published

of the instrument who is entitled to enforce. § 673.3011(1)-(3), Fla. Stat. (2013). A “holder” is defined

Wells Fargo Bank, N.A. v. Morcom

125 So. 3d 320, 2013 WL 5575634, 2013 Fla. App. LEXIS 16188

District Court of Appeal of Florida | Filed: Oct 11, 2013 | Docket: 60235835

Cited 4 times | Published

and Mortgage Note pursuant to Florida Statutes § 673.3011.” Appellant attached to the complaint copies

Miller v. Kondaur Capital Corp.

91 So. 3d 218, 2012 WL 2327822, 2012 Fla. App. LEXIS 9952

District Court of Appeal of Florida | Filed: Jun 20, 2012 | Docket: 60309845

Cited 4 times | Published

of the instrument, entitled to enforce it. See § 673.3011(2), Fla. Stat. (2011); Taylor v. Deutsche Bank

Federal National Mortgage Ass'n v. Rafaeli

225 So. 3d 264, 93 U.C.C. Rep. Serv. 2d (West) 149, 2017 WL 3085331, 2017 Fla. App. LEXIS 10444

District Court of Appeal of Florida | Filed: Jul 19, 2017 | Docket: 60272431

Cited 3 times | Published

negotiable instrument, is enforceable by the holder. § 673.3011(1), Fla. Stat. (2015). The term “holder” means

PennyMac Corp. v. Frost

214 So. 3d 686, 92 U.C.C. Rep. Serv. 2d (West) 169, 2017 WL 1013192, 2017 Fla. App. LEXIS 3441

District Court of Appeal of Florida | Filed: Mar 15, 2017 | Docket: 60264214

Cited 3 times | Published

of the instrument who is entitled to enforce. § 673.3011(1)-(3), Fla. Stat. (2015). A “holder” is “[t]he

Aum Shree of Tampa, LLC v. HSBC Bank USA (In Re Aum Shree of Tampa, LLC)

449 B.R. 584, 2011 WL 1883031

United States Bankruptcy Court, M.D. Florida | Filed: May 17, 2011 | Docket: 168186

Cited 3 times | Published

order to enforce the mortgages.[4] Fla. Stat. § 673.3011 states: The term "person entitled to enforce"

Winchel v. PennyMac Corp.

222 So. 3d 639, 2017 WL 2882711, 2017 Fla. App. LEXIS 9697

District Court of Appeal of Florida | Filed: Jul 7, 2017 | Docket: 6086354

Cited 2 times | Published

with the rights of a holder. 1 See § 673.3011, Fla. Stat. (2012) (defining persons entitled

Bank of New York Mellon v. Heath

219 So. 3d 104, 2017 WL 1492988, 2017 Fla. App. LEXIS 5790

District Court of Appeal of Florida | Filed: Apr 26, 2017 | Docket: 60266354

Cited 2 times | Published

is the holder of the promissory *106note. See § 673.3011(1), Fla. Stat. (2014). A “holder” is defined

Bank of New York Mellon Trust Co. v. Fitzgerald

215 So. 3d 116, 2017 WL 815352, 2017 Fla. App. LEXIS 2757

District Court of Appeal of Florida | Filed: Mar 1, 2017 | Docket: 4611982

Cited 2 times | Published

the holder of the note under Florida Statute § 673.3011(1), such that it could enforce the note.” Lastly

U.S. Bank National Ass'n v. Becker

211 So. 3d 142, 2017 WL 514340, 2017 Fla. App. LEXIS 1546

District Court of Appeal of Florida | Filed: Feb 8, 2017 | Docket: 60262544

Cited 2 times | Published

157 So.3d 355, 358 (Fla. 4th DCA 2015) (quoting § 673.3011, Fla. Stat. (2013)). A “holder” is “[t]he person

Thomas Caraccia v. U.S. Bank, National Association

185 So. 3d 1277, 2016 Fla. App. LEXIS 2708, 2016 WL 731773

District Court of Appeal of Florida | Filed: Feb 24, 2016 | Docket: 3038770

Cited 2 times | Published

not in possession but entitled to enforce it. § 673.3011, Fla. Stat. (2013). A holder is “the person in

Seidler v. Wells Fargo Bank, N.A.

179 So. 3d 416, 2015 Fla. App. LEXIS 16918, 2015 WL 7008174

District Court of Appeal of Florida | Filed: Nov 12, 2015 | Docket: 60251755

Cited 2 times | Published

date'of trial, under any of the provisions of section 673.3011, Florida Statutes, but also that Wachovia

Anastacia S. Lacombe and Max P. Lacombe v. Deutsche Bank National Trust Company, etc.

149 So. 3d 152, 2014 WL 5139296

District Court of Appeal of Florida | Filed: Oct 22, 2014 | Docket: 1422054

Cited 2 times | Published

*156 under any means identified in section 673.3011, Florida Statutes. See Mazine v. M &

U.S. Bank National Ass'n v. Knight

90 So. 3d 824, 77 U.C.C. Rep. Serv. 2d (West) 335, 2012 Fla. App. LEXIS 5570, 2012 WL 1192143

District Court of Appeal of Florida | Filed: Apr 11, 2012 | Docket: 60309647

Cited 2 times | Published

promissory note, is the “holder of the instrument.” § 673.3011(1), Fla. Stat. (2008). A “holder” is someone

Connie L. Mielke and Blair C. Mielke v. Deutsche Bank National Trust Company, etc.

264 So. 3d 249

District Court of Appeal of Florida | Filed: Jan 10, 2019 | Docket: 8488328

Cited 1 times | Published

interpretation is bolstered by the language of section 673.3011, Florida Statutes. The statute defines a person

Wells Fargo Bank v. Diz

253 So. 3d 705

District Court of Appeal of Florida | Filed: Aug 8, 2018 | Docket: 7619131

Cited 1 times | Published

So. 3d 170, 173 (Fla. 4th DCA 2012). Under section 673.3011, Florida Statutes (2013), negotiable instruments

HSBC Bank USA v. Buset

241 So. 3d 882

District Court of Appeal of Florida | Filed: Feb 7, 2018 | Docket: 6297807

Cited 1 times | Published

plaintiff is a “person entitled to enforce.” § 673.3011. The term “person entitled to enforce” is a

FREDERICK SABIDO and JONELLE SABIDO v. THE BANK OF NEW YORK MELLON, ETC.

241 So. 3d 865

District Court of Appeal of Florida | Filed: Dec 20, 2017 | Docket: 6244889

Cited 1 times | Published

pursuant to s. 673.3091 or s. 673.4181(4). § 673.3011, Fla. Stat. (2016). Here, the original lender

JPMorgan Chase Bank National Ass'n v. Pierre

215 So. 3d 633, 2017 WL 1278071, 2017 Fla. App. LEXIS 4632

District Court of Appeal of Florida | Filed: Apr 5, 2017 | Docket: 60264862

Cited 1 times | Published

is in wrongful possession of the instrument.” § 673.3011, Fla. Stat. (2013). Here, JPMorgan attached a

Deutsche Bank National Trust Co. v. Applewhite

213 So. 3d 948, 2017 WL 1076936, 2017 Fla. App. LEXIS 3775

District Court of Appeal of Florida | Filed: Mar 22, 2017 | Docket: 60263957

Cited 1 times | Published

otherwise would have the status of a holder. § 673.3011, Fla. Stat. (2015). In this case, the Bank filed

Bank of America, N.A. v. Nash

200 So. 3d 131, 2016 Fla. App. LEXIS 6973, 2016 WL 2596015

District Court of Appeal of Florida | Filed: May 6, 2016 | Docket: 3063757

Cited 1 times | Published

owned note at time complaint was filed). Under section 673.3011, Florida Statutes (2011), a person entitled

Deutsche Bank National Trust Co. v. Marciano

190 So. 3d 166, 2016 WL 1385903, 2016 Fla. App. LEXIS 5424

District Court of Appeal of Florida | Filed: Apr 8, 2016 | Docket: 3054141

Cited 1 times | Published

requirements for standing are provided in section 673.3011,. Florida Statutes, (2009), as follows:

Elsman v. HSBC BANK USA

182 So. 3d 770, 2015 Fla. App. LEXIS 19500, 2015 WL 9491875

District Court of Appeal of Florida | Filed: Dec 31, 2015 | Docket: 60252816

Cited 1 times | Published

This court has previously determined: Under section 673.3011, Florida Statutes (2013), a person entitled

St. Clair v. U.S. Bank National Association

173 So. 3d 1045, 2015 Fla. App. LEXIS 10840, 2015 WL 4379738

District Court of Appeal of Florida | Filed: Jul 17, 2015 | Docket: 2679094

Cited 1 times | Published

Bank and this appeal followed. Under section 673.3011, Florida Statutes (2014), a person entitled

David Lee Ham, Jr. v. Nationstar Mortgage, LLC.

164 So. 3d 714, 2015 WL 2189768

District Court of Appeal of Florida | Filed: May 26, 2015 | Docket: 2659801

Cited 1 times | Published

entitled to enforce the instrument, under section 673.3011, as of June 7, 2011. But Appellant’s denial

Miguel Tilus, Alta Tilus, Rose A. Joaseus and Kesner Joaseus v. AS Michai LLC

161 So. 3d 1284, 2015 Fla. App. LEXIS 5089, 2015 WL 1545223

District Court of Appeal of Florida | Filed: Apr 8, 2015 | Docket: 2679410

Cited 1 times | Published

of the note who has the rights of a holder.”); § 673.3011, Fla. Stat. (2012) (identifying persons entitled

Donna Murray and Marc Murray v. HSBC Bank USA

157 So. 3d 355, 2015 Fla. App. LEXIS 725, 2015 WL 248651

District Court of Appeal of Florida | Filed: Jan 21, 2015 | Docket: 2626285

Cited 1 times | Published

of the Note and Mortgage, pursuant to Florida Statute 673.3011.” The case proceeded to a non-jury trial

Mark Pennington v. Ocwen Loan Servicing, LLC

151 So. 3d 52, 2014 WL 5740990

District Court of Appeal of Florida | Filed: Nov 5, 2014 | Docket: 2593253

Cited 1 times | Published

standing under any of the means established by section 673.3011, Florida Statutes. See Mazine,

The Bank of New York Mellon, Etc. v. Remonde Lopez and Samuel Lopez

District Court of Appeal of Florida | Filed: Feb 19, 2025 | Docket: 69651319

Published

3d 355, 358 (Fla. 4th DCA 2015) (quoting § 673.3011, Fla. Stat. (2013)). A “holder” is “[t]he

Limor Arika v. Mill City Mortgage Loan Trust 2017-1, Etc.

District Court of Appeal of Florida | Filed: Jan 8, 2025 | Docket: 69525656

Published

entitled to enforce the note and mortgage. See § 673.3011, Fla. Stat. (2021). Affirmed. WARNER, GROSS

Rosa M. Garcia v. Deutsche Bank National Trust Company, Etc.

District Court of Appeal of Florida | Filed: Jan 8, 2025 | Docket: 69525628

Published

prosecution of the case.”) See also § 673.3011, Fla. Stat. (2018) (providing in pertinent part

FEDERAL NATIONAL MORTGAGE ASSOCIATION v. MAXIMO R. TRINIDAD and THERESA A. TRINIDAD

District Court of Appeal of Florida | Filed: Mar 15, 2023 | Docket: 67012433

Published

note’s holder has standing to enforce the note. § 673.3011(1), Fla. Stat. (2017). We have held that “to

U.S. BANK NATIONAL ASSOCIATION AS TRUSTEE FOR RAMP 2006EFC2 vs KENNETH BELL, SR., AND ALENA BELL

District Court of Appeal of Florida | Filed: Jan 27, 2023 | Docket: 63148364

Published

pursuant to s. 673.3091 or s. 673.4181(4).” See § 673.3011, Fla. Stat. (2008); Deutsche Bank Nat’l Tr.

GREGORY MIRMELLI v. HARVEY SILVERMAN, etc.

District Court of Appeal of Florida | Filed: Aug 24, 2022 | Docket: 64916763

Published

3d 418, 419-20 (Fla. 3d DCA 2016) (citing section 673.3011 of the Florida Statutes, observing that “[p]romissory

NATIONSTAR MORTGAGE LLC, ETC. and U.S BANK NATIONAL ASSOCIATION AS TRUSTEE, etc. v. FARSHADI FARAMARZ

District Court of Appeal of Florida | Filed: Dec 15, 2021 | Docket: 61618241

Published

holder” is entitled to enforce the instrument. See § 673.3011, Fla. Stat. This is because simple possession

THE BANK OF NEW YORK MELLON, etc. v. JULIE NICOLAS

District Court of Appeal of Florida | Filed: Nov 24, 2021 | Docket: 61574089

Published

Note as the owner and holder, pursuant to Section 673.3011,

JPMORGAN CHASE BANK, N.A. v. JORGE LLOVET

District Court of Appeal of Florida | Filed: Nov 17, 2021 | Docket: 61493044

Published

commenced on December 22, 2016, and pursuant to section 673.3011, 1 Although either is acceptable, we use

DEUTSCHE BANK NATIONAL TRUST, ETC. v. FLEMING HARRIS

District Court of Appeal of Florida | Filed: Aug 12, 2020 | Docket: 17436372

Published

or a person entitled to enforce a lost note. § 673.3011(1)–(3), Fla. Stat. (2019). A holder has “possession

CATHERINE P. COX v. U.S. BANK, TRUST N.A., AS TRUSTEE FOR LSF9 MASTER PARTICIPATION TRUST

District Court of Appeal of Florida | Filed: Mar 11, 2020 | Docket: 16955847

Published

the instrument who is entitled to enforce. § 673.3011(1)–(3), Fla. Stat. (2015). A “holder”

WELLS FARGO BANK, N. A., AS TRUSTEE v. RANDOLPH v. COOK

District Court of Appeal of Florida | Filed: Jul 26, 2019 | Docket: 15972943

Published

-5- note. See § 673.3011, Fla. Stat. (2010) (defining "person entitled

DEUTSCHE BANK NAT'L. ASSOC. TRUST v. STEVE SMITH and ALTHEA SMITH

District Court of Appeal of Florida | Filed: Jul 17, 2019 | Docket: 15928484

Published

pursuant to section 673.3091, Florida Statutes. § 673.3011(3), Fla. Stat. (2013). Section 673.3091, Florida

GREEN EMERALD HOMES, L L C v. 21ST MORTGAGE CORPORATION

District Court of Appeal of Florida | Filed: Jun 7, 2019 | Docket: 15738238

Published

secured by the mortgage it seeks to foreclose. See § 673.3011, Fla. Stat. (2014); Verizzo v. Bank of N.Y. Mellon

DOMENIC GROSSO a/k/a DOMENIC L. GROSSO v. HSBC BANK USA, N.A.

275 So. 3d 642

District Court of Appeal of Florida | Filed: May 8, 2019 | Docket: 15071953

Published

because he or she is in possession of it. See § 673.3011, Fla. Stat. (2018). Presumably, enforcement of

NERMINE HANNA v. PENNYMAC HOLDINGS, LLC and PATRICIA T. CONNOR

District Court of Appeal of Florida | Filed: Mar 27, 2019 | Docket: 14809067

Published

as the holder of the instrument pursuant to section 673.3011(1), Florida Statutes (2016). See Murray v

Hanna v. PennyMac Holdings, LLC

270 So. 3d 403

District Court of Appeal of Florida | Filed: Mar 27, 2019 | Docket: 64713158

Published

as the holder of the instrument pursuant to section 673.3011(1), Florida Statutes (2016). See Murray v

Hanna v. PennyMac Holdings, LLC

270 So. 3d 403

District Court of Appeal of Florida | Filed: Mar 27, 2019 | Docket: 64713159

Published

as the holder of the instrument pursuant to section 673.3011(1), Florida Statutes (2016). See Murray v

DOMENIC GROSSO a/k/a DOMENIC L. GROSSO v. HSBC BANK USA, N.A.

District Court of Appeal of Florida | Filed: Feb 6, 2019 | Docket: 14537001

Published

because he or she is in possession of it. See § 673.3011, Fla. Stat. (2018). Presumably, enforcement of

GREGORY MAKI AND ELIZABETH MAKI v. GREEN TREE SERVICING, LLC

257 So. 3d 1237

District Court of Appeal of Florida | Filed: Dec 5, 2018 | Docket: 8346777

Published

sufficient evidence that it had standing under section 673.3011, Florida Statutes (2016), to enforce the

DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE v. WILLIAM F. NOLL, I I I

261 So. 3d 656

District Court of Appeal of Florida | Filed: Oct 31, 2018 | Docket: 8110449

Published

[was] entitled to foreclosure pursuant to Florida Statute 673.3011(1)." A copy of the promissory note

Aquasol Condo Assoc. v. HSBC Bank USA

District Court of Appeal of Florida | Filed: Oct 31, 2018 | Docket: 8110464

Published

a “person entitled to enforce.” § 673.3011. The term “person entitled to enforce” is a

Aquasol Condo Assoc. v. HSBC Bank USA

District Court of Appeal of Florida | Filed: Aug 15, 2018 | Docket: 7664423

Published

a “person entitled to enforce.” § 673.3011. The term “person entitled to enforce” is a

Nationstar Mortg., LLC v. Johnson

250 So. 3d 808

District Court of Appeal of Florida | Filed: Jun 29, 2018 | Docket: 64684273

Published

sufficient to establish its status as the holder. Cf. § 673.3011, Fla. Stat. (2016) (providing that even a person

NATIONSTAR MORTGAGE, LLC, AS SUCCESSOR IN INTEREST TO WELLS FARGO BANK, N. A. v. STEPHEN JOHNSON

District Court of Appeal of Florida | Filed: Jun 29, 2018 | Docket: 7320152

Published

sufficient to establish its status as the holder. Cf. § 673.3011, Fla. Stat. (2016) (providing that even a person

Bank of New York v. Burgiel

248 So. 3d 237

District Court of Appeal of Florida | Filed: May 21, 2018 | Docket: 7000940

Published

3091 or section 673.4181(4), Florida Statutes. § 673.3011, Fla. Stat. (2014). A holder is defined as, inter

HSBC BANK USA, NATIONAL ASSOC., ETC. v. JAMES HESS a/k/a JAMES H. HESS

228 So. 3d 143, 2017 WL 4679601

District Court of Appeal of Florida | Filed: Oct 18, 2017 | Docket: 6171812

Published

is in wrongful possession of the instrument.” § 673.3011, Fla. Stat. (2016) (emphasis added). Accordingly

Wisman v. Nationstar Mortgage

239 So. 3d 726

District Court of Appeal of Florida | Filed: Oct 16, 2017 | Docket: 6181262

Published

165 So. 3d 44, 46 (Fla. 5th DCA 2015) (citing § 673.3011, Fla. Stat. (2013)). Under Florida law

Richard M. Rigby v. Bank of New York Mellon

228 So. 3d 183

District Court of Appeal of Florida | Filed: Sep 18, 2017 | Docket: 6158972

Published

entitled to enforce the note, pursuant to section 673.3011, Florida Statutes, continued to be a contested

Richard M. Rigby v. Bank of New York Mellon

228 So. 3d 183

District Court of Appeal of Florida | Filed: Sep 18, 2017 | Docket: 6158972

Published

entitled to enforce the note, pursuant to section 673.3011, Florida Statutes, continued to be a contested

FEDERAL NATIONAL MORTGAGE ASSOCIATION v. EHUD RAFAELI, LIZABETH RAFAELI

District Court of Appeal of Florida | Filed: Jul 19, 2017 | Docket: 6122341

Published

negotiable instrument, is enforceable by the holder. § 673.3011(1), Fla. Stat. (2015). The term “holder” means

Verizzo v. The Bank of New York Mellon

220 So. 3d 1262, 2017 Fla. App. LEXIS 8921, 2017 WL 2664323

District Court of Appeal of Florida | Filed: Jun 21, 2017 | Docket: 6078174

Published

the plaintiff is the holder of the note. See § 673.3011(1), Fla. Stat. (2008); see, e.g., Russell v.

Wilmington Savings Fund Society, FSB v. Louissaint

212 So. 3d 473, 91 U.C.C. Rep. Serv. 2d (West) 1126, 2017 WL 651816, 2017 Fla. App. LEXIS 2163

District Court of Appeal of Florida | Filed: Feb 17, 2017 | Docket: 4609710

Published

165 So.3d 44, 46 (Fla. 5th DCA 2015) (citing § 673.3011, Fla. Stat. (2013)). “If an indorsement is made

Houk v. PennyMac Corp.

210 So. 3d 726, 2017 WL 535437, 2017 Fla. App. LEXIS 1659

District Court of Appeal of Florida | Filed: Feb 10, 2017 | Docket: 4583387

Published

and mortgage note pursuant to Florida Statutes § 673.3011(3) as a person not in possession of the instrument

Rincon v. Bank of America, N.A.

206 So. 3d 793, 2016 Fla. App. LEXIS 16673

District Court of Appeal of Florida | Filed: Nov 9, 2016 | Docket: 4486854

Published

emanates from section 673.3011 of the Uniform Commercial Code as adopted in this state. See § 673.3011, Fla.

Robert K. Walton v. Deutsche Bank National Trust Co., etc.

201 So. 3d 831, 2016 Fla. App. LEXIS 15547

District Court of Appeal of Florida | Filed: Oct 19, 2016 | Docket: 4480289

Published

indorsed note on date complaint filed); see also § 673.3011, Fla. Stat. (defining persons entitled to enforce

Powers v. HSBC Bank USA, N.A.

202 So. 3d 121, 2016 Fla. App. LEXIS 15241

District Court of Appeal of Florida | Filed: Oct 14, 2016 | Docket: 4479202

Published

1046 (Fla. 2d DCA 2015), stated: Under section 673.3011, Florida Statutes (2014), a person entitled

Reverse Mortgage Solution, Inc. v. The Unknown Heirs, Devisees, Grantees, Assignees, Lienors, Creditors, Trustees, etc.

207 So. 3d 917, 2016 Fla. App. LEXIS 15025

District Court of Appeal of Florida | Filed: Oct 7, 2016 | Docket: 4480292

Published

78 So.3d 81 (Fla. 5th DCA 2012); see also § 673.3011, Fla. Stat. (providing that person entitled to

Brian and Cynthia Poag v. Nationstar Mortgage, LLC

198 So. 3d 1002, 2016 Fla. App. LEXIS 12137, 2016 WL 4239815

District Court of Appeal of Florida | Filed: Aug 11, 2016 | Docket: 4120642

Published

the note when loss of possession occurred. Section 673.3011, Florida Statutes (2014), defines a person

ALS-RVC, LLC v. Garvin

201 So. 3d 687, 2016 Fla. App. LEXIS 11717

District Court of Appeal of Florida | Filed: Aug 3, 2016 | Docket: 60257043

Published

entitled to enforce the note, pursuant to section 673.3011(1), Florida Statutes. It alleged compliance

Deutsche Bank National Trust Company v. Hagstrom

203 So. 3d 918, 2016 Fla. App. LEXIS 11054

District Court of Appeal of Florida | Filed: Jul 20, 2016 | Docket: 4112457

Published

assignment to bill and collect the debt. See § 673.3011(1); Brindise v. U.S. Bank Nat’l Ass’n, 183 So

Floyd v. Bank of America, N.A.

194 So. 3d 1071, 2016 Fla. App. LEXIS 9669, 2016 WL 3452501

District Court of Appeal of Florida | Filed: Jun 24, 2016 | Docket: 3091564

Published

owned note at time complaint was filed). Under section 673.3011, Florida Statutes (2010), a person entitled

Robert T. Frost a/k/a Robert Frost v. Christiana Trust, a Division of Wilmington Savings Fund Society, FSB, etc.

193 So. 3d 1092, 2016 Fla. App. LEXIS 9596, 2016 WL 3419300

District Court of Appeal of Florida | Filed: Jun 22, 2016 | Docket: 3081245

Published

of a holder. Id, at 357-58 (citing § 673.3011(2), Fla. Stat.). Ownership, assignment, or transfer

Wells Fargo Bank, N.A., As Trustee, etc. v. James Ousley A/K/A James E. Ousley, Jr.,etal

212 So. 3d 1056, 2016 Fla. App. LEXIS 9226, 2016 WL 3268330

District Court of Appeal of Florida | Filed: Jun 15, 2016 | Docket: 3078540

Published

standing if it is the holder of the instrument. § 673.3011, Fla. Stat. (2010). The holder of a note with

Ottoniel Cruz and Luz M. Cruz v. JP Morgan Chase Bank, National Association, etc.

199 So. 3d 992, 2016 Fla. App. LEXIS 9272, 2016 WL 3342651

District Court of Appeal of Florida | Filed: Jun 15, 2016 | Docket: 3078548

Published

sfeetion] 673.3091 or sfeetion] 673.4181(4).” § 673.3011, ;Fla, Stat. (2014); see Mazine v. M &

Vicoria S. Magaldi v. Deutsche Bank National Trust Company

199 So. 3d 982, 2016 Fla. App. LEXIS 9258, 2016 WL 3268351

District Court of Appeal of Florida | Filed: Jun 15, 2016 | Docket: 3078545

Published

section] 673.3091 or s[ection] 673.4181(4).” § 673.3011, Fla. Stat. (2013). A “holder” is defined as

In re Elowitz

550 B.R. 603, 75 Collier Bankr. Cas. 2d 1237, 26 Fla. L. Weekly Fed. B 205, 89 U.C.C. Rep. Serv. 2d (West) 823, 2016 Bankr. LEXIS 2206

United States Bankruptcy Court, S.D. Florida. | Filed: May 17, 2016 | Docket: 65788662

Published

who has the rights of a holder. See Fla. Stat. § 673.3011(1), (2). In the context of the law of negotiable

Alwyn York McConnell v. JPMorgan Chase

190 So. 3d 264, 2016 WL 2745295, 2016 Fla. App. LEXIS 7195

District Court of Appeal of Florida | Filed: May 11, 2016 | Docket: 3071447

Published

as paid, but who has the status of a holder. § 673.3011, Fla. Stat.. (2010). As JPMorgan was the holder

Esperanza Robelto and Yonis Robelto v. U.S. Bank Trust, N.A.

194 So. 3d 429, 89 U.C.C. Rep. Serv. 2d (West) 758, 2016 Fla. App. LEXIS 6850, 2016 WL 2342139

District Court of Appeal of Florida | Filed: May 4, 2016 | Docket: 3062272

Published

the instrument who has the rights of a holder. § 673.3011, Fla. Stat. (2008). The representative testified

Federal National Mortgage Association v. McFadyen

194 So. 3d 418, 89 U.C.C. Rep. Serv. 2d (West) 652, 2016 WL 1658773, 2016 Fla. App. LEXIS 6351

District Court of Appeal of Florida | Filed: Apr 27, 2016 | Docket: 3058480

Published

in wrongful possession of the instrument. § 673.3011, Fla. Stat. (2015). Fannie Mae’s claim below

Deutsche Bank National Trust Co. v. Alaqua Property

190 So. 3d 662, 2016 Fla. App. LEXIS 6147, 2016 WL 1600421

District Court of Appeal of Florida | Filed: Apr 22, 2016 | Docket: 3061473

Published

entitlement to enforce the’ note.. See § 673.3011(1), Fla. Stat. (2014) (stating, a person .entitled

Rincon v. HSBC Bank USA, National Ass'n

196 So. 3d 417, 2016 WL 1465695, 2016 Fla. App. LEXIS 5760

District Court of Appeal of Florida | Filed: Apr 15, 2016 | Docket: 60256093

Published

So.3d 938, 940 (Fla. 5th DCA 2015). Under section 673.3011, Florida Statutes (2012), the holder of a

Ottoniel Cruz and Luz M. Cruz v. JP Morgan Chase Bank, National Association

District Court of Appeal of Florida | Filed: Mar 23, 2016 | Docket: 3046941

Published

s[ection] 673.3091 or s[ection] 673.4181(4).” § 673.3011, Fla. Stat. (2014); see Mazine v. M & I Bank

Phan v. Deutsche Bank National Trust Company

198 So. 3d 744, 88 U.C.C. Rep. Serv. 2d (West) 1306, 2016 Fla. App. LEXIS 2841, 2016 WL 746400

District Court of Appeal of Florida | Filed: Feb 26, 2016 | Docket: 3039676

Published

from the Florida Uniform Commercial Code. See § 673.3011(1), Fla. Stat.' (2008) (“The term ‘person entitled

Rincon v. HSBC Bank

District Court of Appeal of Florida | Filed: Feb 22, 2016 | Docket: 3045493

Published

To establish standing to foreclose under section 673.3011, Florida Statutes (2012), a party must be:

Lirris Smith Gallimore v. Bank of America, National Association

184 So. 3d 1242, 88 U.C.C. Rep. Serv. 2d (West) 1177, 2016 Fla. App. LEXIS 2264, 2016 WL 625237

District Court of Appeal of Florida | Filed: Feb 17, 2016 | Docket: 3036653

Published

at the time suit was filed. Sec § 673,3011, Fla. Stat. (2015) (requiring possession of the

Angelini v. HSBC Bank USA, N.A. Ex Rel. ACE Securities Corp.

189 So. 3d 202, 2016 Fla. App. LEXIS 1903, 41 Fla. L. Weekly Fed. D 370

District Court of Appeal of Florida | Filed: Feb 10, 2016 | Docket: 3035029

Published

contemplate such a possibility. See § 673.3011, Fla. Stat. .(2015); Rodriguez, 178

Brindise v. U.S. Bank National Association

183 So. 3d 1215, 2016 Fla. App. LEXIS 653, 2016 WL 229572

District Court of Appeal of Florida | Filed: Jan 20, 2016 | Docket: 3029528

Published

the note holder has the right to foreclose. See § 673.3011(2), Fla. Stat. (2014); Creadon v. U.S. Bank N

In Re AMENDMENTS TO the FLORIDA RULES OF CIVIL PROCEDURE

190 So. 3d 999, 41 Fla. L. Weekly Supp. 1, 2016 Fla. LEXIS 68, 2016 WL 164134

Supreme Court of Florida | Filed: Jan 14, 2016 | Docket: 3028217

Published

person entitled to enforce the note'under section 673.3011, Florida Statutes.- ' (b)-(c) [No change]

In Re AMENDMENTS TO the FLORIDA RULES OF CIVIL PROCEDURE

190 So. 3d 999, 41 Fla. L. Weekly Supp. 1, 2016 Fla. LEXIS 68, 2016 WL 164134

Supreme Court of Florida | Filed: Jan 14, 2016 | Docket: 3028217

Published

person entitled to enforce the note'under section 673.3011, Florida Statutes.- ' (b)-(c) [No change]

Morris v. Deutsche Bank National Trust Co.

182 So. 3d 680, 2015 Fla. App. LEXIS 18409, 2015 WL 8316579

District Court of Appeal of Florida | Filed: Dec 9, 2015 | Docket: 3019347

Published

of the instrument who is entitled to enforce. § 673.3011(l)-(3), Fla. Stat. (2011). A “holder” is defined

Gonzalez v. BAC Home Loans Servicing, L.P.

180 So. 3d 1106, 2015 Fla. App. LEXIS 18133, 2015 WL 7781746

District Court of Appeal of Florida | Filed: Dec 4, 2015 | Docket: 60252292

Published

requirements for standing are provided in section 673.3011, Florida Statutes, (2009), as follows: The

Mario A. Rodriguez and Lendy Rodriguez v. Wells Fargo Bank, N.A. d/b/a America's Servicing Company

178 So. 3d 62, 2015 Fla. App. LEXIS 15239, 2015 WL 5948169

District Court of Appeal of Florida | Filed: Oct 14, 2015 | Docket: 2919777

Published

as paid, but who has the status of a holder. § 673.3011, Fla. Stat. (2010). As can be seen from the statutory

George L. Kenney a/k/a George Kenney v. HSBC USA, National Association, Susie N. Kenney a/k/a Susie Kenney, Sea Oaks Property Owners Association, Inc., Sea Oaks of Juno Beach Condominium Two Association, Mortgage Electronic Registration Systems, Inc.

District Court of Appeal of Florida | Filed: Sep 24, 2015 | Docket: 2851145

Published

of the instrument who is entitled to enforce. § 673.3011(1)-(3), Fla. Stat. (2013). A “holder” is defined

Assil v. Aurora Loan Services, LLC

171 So. 3d 226, 2015 Fla. App. LEXIS 11965, 2015 WL 4747196

District Court of Appeal of Florida | Filed: Aug 12, 2015 | Docket: 60249701

Published

is entitled to enforce the instrument .... ” § 673.3011, Fla. Stat. (2008). A “holder” is defined as

Sarit J. Assil n/k/a Sarit Levy v. Aurora Loan Services, LLC, Soheil Assil, etc., Victoria Grove Homeowners Associaton, Inc., John Doe and Jane Doe, etc.

District Court of Appeal of Florida | Filed: Aug 12, 2015 | Docket: 2683565

Published

is entitled to enforce the instrument . . . .” § 673.3011, Fla. Stat. (2008). A “holder” is defined as

Gary S. Snyder and Jane Snyder v. JP Morgan Chase Bank

169 So. 3d 1270, 2015 Fla. App. LEXIS 11413, 2015 WL 4549529

District Court of Appeal of Florida | Filed: Jul 29, 2015 | Docket: 2679171

Published

possessed the note at the time it filed suit. Section 673.3011, Florida Statutes (2009), provides who may

6, Susie N. Kenney a/k/a Susie Kenney, Sea Oaks Property Owners Association, Inc., Sea Oats of Juno Beach Condominium Two Association, Mortgage Electronic Registration Systems, Inc.

District Court of Appeal of Florida | Filed: Jul 22, 2015 | Docket: 2679184

Published

of the instrument who is entitled to enforce. § 673.3011(1)-(3), Fla. Stat. (2013). “A plaintiff who

Taoufiq Seffar v. Residential Credit Solutions, Inc.

160 So. 3d 122, 2015 Fla. App. LEXIS 4270, 2015 WL 1334288

District Court of Appeal of Florida | Filed: Mar 25, 2015 | Docket: 2679429

Published

s[ection] 673.3091 or sfection] 673.4181(4).” § 673.3011, Fla. Stat. (2013). A “holder” is defined as

Gafoor Jaffer and Nina Jaffer v. Chase Home Finance, LLC

155 So. 3d 1199, 2015 Fla. App. LEXIS 184, 2015 WL 71828

District Court of Appeal of Florida | Filed: Jan 7, 2015 | Docket: 2621560

Published

one entitled to foreclose on the mortgage. Section 673.3011, Florida Statutes (2013), defines who may

Rosanie Joseph v. BAC Home Loans Servicing, LP

155 So. 3d 444, 2015 Fla. App. LEXIS 154, 2015 WL 71842

District Court of Appeal of Florida | Filed: Jan 7, 2015 | Docket: 2621542

Published

predecessor, Taylor Bean, had standing under section 673.3011(2), Florida Statutes, to enforce a negotiable

In Re AMENDMENTS TO the FLORIDA RULES OF CIVIL PROCEDURE

153 So. 3d 258, 39 Fla. L. Weekly Supp. 752, 2014 Fla. LEXIS 3682, 2014 WL 6977929

Supreme Court of Florida | Filed: Dec 11, 2014 | Docket: 2613919

Published

person entitled to enforce the note under section 673.3011, Florida Statutes. (b) Delegated Claim

Henderson v. Litton Loan Servicing, LP

92 So. 3d 301, 2012 WL 2913159, 2012 Fla. App. LEXIS 11669

District Court of Appeal of Florida | Filed: Jul 18, 2012 | Docket: 60310211

Published

the “ ‘holder of the instrument.’ ” (quoting § 673.3011, Fla. Stat.). A “holder” is the person in possession

Musselman v. Deutsche Bank Trust Co. Americas (In re Balderrama)

473 B.R. 823, 23 Fla. L. Weekly Fed. B 380, 2012 WL 1893634, 2012 Bankr. LEXIS 2350

United States Bankruptcy Court, M.D. Florida | Filed: May 16, 2012 | Docket: 65784010

Published

note alone was not enough. *827Florida Statute § 673.3011 defines the “person entitled to enforce” a negotiable

ISRA HOMES, INC. v. Appley

78 So. 3d 724, 2012 WL 337007, 2012 Fla. App. LEXIS 1404

District Court of Appeal of Florida | Filed: Feb 3, 2012 | Docket: 2353901

Published

Florida Statutes (2006), govern this case. Section 673.3011 defines who may enforce an instrument: The

Musselman v. Deutsche Bank Trust Co. Americas (In Re Balderrama)

451 B.R. 185, 22 Fla. L. Weekly Fed. B 725, 2011 Bankr. LEXIS 1679, 2011 WL 1750679

United States Bankruptcy Court, M.D. Florida | Filed: May 4, 2011 | Docket: 2532694

Published

entitled to enforce its terms under Fla. Stat. § 673.3011, and thus could foreclose on the mortgage, because

JTM, INC. v. Totalbank

795 So. 2d 161, 46 U.C.C. Rep. Serv. 2d (West) 787, 2001 Fla. App. LEXIS 12493, 2001 WL 1007408

District Court of Appeal of Florida | Filed: Sep 5, 2001 | Docket: 1673163

Published

pursuant to s. 673.3091 or s. 673.4181(4).[2] § 673.3011, Fla. Stat. (1993). Under the plain meaning of

Hobley v. Metz

630 So. 2d 625, 1994 Fla. App. LEXIS 3, 1994 WL 1269

District Court of Appeal of Florida | Filed: Jan 4, 1994 | Docket: 64745846

Published

entitlement to enforce the instrument under § 673.-3011, unless the defendant proves a defense or claim