Nalo a ʻaihue ʻia ka hōke kālā kālā: UCC 90-lā Hōʻike no ka nalowale a me nā paʻa paʻa Surety¶

ʻO ka lilo ʻana o ka Check Cashier's Physics, Teller's Check, Certified Check, a i ʻole Postal/Western Union Money Order, a i ʻole i ʻaihue ʻia mai ka leka uila ma ke ala e pani ʻia ai ka waiwai, mea kūʻai kaʻa, konohiki, a i ʻole ke keʻena ʻauhau IRS, e hoʻomaka koke i kahi pilikia panakō e hopu kokoke i nā mea kūʻai aku. Ke hele ʻoe i loko o kāu lālā panakō e kau i kahi $30 "Stop Payment" ma kahi $25,000 Cashier's Check i nalowale a noi iā lākou e hoʻihoʻi i ka $25,000 i kāu waihona helu i hiki ai iā ʻoe ke hoʻouna i kahi hoʻoili uea, haʻi ka luna lālā iā ʻoe: " ʻAʻole hiki iā ʻoe ke kau i kahi uku hoʻomaha maʻamau ma kahi Check Cashier. A i ʻole hiki iā mākou ke kali i kāu penikala piha ma mua o 90 mau lā. $25,000, A I ʻole pono ʻoe e kūʻai i kahi mea hoʻihoʻi ʻole ʻia ʻo Lost Instrument Surety / Indemnity Bond no ka pālua ʻana i ka nui o ka hōʻoia." Ma lalo o Article 3 of the Uniform Commercial Code (UCC Sections 3-309, 3-312, a me 3-411) ma waena o 50 U.S. states*** ʻAʻole ** huki ʻia ka māka ma kāu moʻokāki pilikino; he kuleana pololei ia a ka ** panakō hoʻopuka pono'ī , a inā hōʻike ka "Holder in Due Course" i ka haki i loko o 90 mau lā, ua koi ʻia ka panakō e uku iā ia a i ʻole e alo i nā pohō kūpono ma lalo o UCC Pauku 3-411. ʻO ka hoʻoponopono ʻana i kēia pilikia me ka nalowale ʻole o kāu kūʻai home a i ʻole ka uku ʻana i nā kaukani kālā i kahi mea hoʻopaʻa paʻa paʻa pono e waiho koke i kahi kānāwai UCC Section 3-312 Declaration of Loss, e wehewehe ana inā ʻaʻole ʻae ʻia ka helu i ka transit vs. / 3-420 Forged Endorsement** koi), a me ka koi ʻana i kāu panakō e hoʻokuʻu i nā koi palapala hōʻoia i ka wā e pau ai ka lā 90. Inā piʻi ka hoʻopaʻapaʻa ma ka lālā panakō a i ʻole ke kūʻai kūʻokoʻa i mea hoʻoweliweli kino, e kelepona i kou wahi helu pilikia koke; no nā pilikia pili kālā pili, e nānā E hōʻoia i ka holoi ʻana, ka hoʻopunipuni ʻana i ka leka uila, a me ka hoʻopunipuni hoʻopunipuni, ʻO ka hoʻopunipuni uea pani waiwai a me ka protocol hoʻomanaʻo panakō pilikia, a Nā hoʻoili panakō ʻae ʻole, nā hoʻopaʻapaʻa Regulation E, a me nā kuleana hoʻihoʻi.

E hana i kēia i kēia manawa¶

1. E pale i kou palekana kino a mai hoʻopaʻapaʻa i ka mea i manaʻo ʻia he ʻaihue leka uila a i ʻole ka mea hoʻopunipuni kūʻai pilikino. Inā piʻi ka hoʻopaʻapaʻa e pili ana i kahi helu kālā i nalowale a ʻaihue ʻia i ka wā o ke kūʻai ʻana kaʻa a i ʻole ka neʻe ʻana o ka mea hoʻolimalima i mea hoʻoweliweli, e hoʻi i hope ma kahi o 2 mika (6.5 kapuaʻi) i kahi wahi paʻa a kelepona i kou wahi. helu pilikia (911 ma US a me Kanada, 112 ma EU, 999 ma UK, 000 ma Australia).
2. **E kāhea koke i ka Laina Hoʻokolo Kūikawā o ka Bank Issuing no ka nānā ʻana inā ua loaʻa ke kālā a ka Cashier's Check a i ʻole "Kūpono / ʻAʻole i uku ʻia."
3. Ala A (ʻAʻole i uku ʻia / OUTSTANDING): Ua nalowale ka nānā kino i loko o kahi keʻena hoʻokaʻina leka, e noho ana i loko o kahi ʻeke leka i ʻaihue ʻia, a i ʻole i waiho hewa ʻia ma ka home. Pono ʻoe e hoʻokō koke i kahi UCC Section 3-312 Declaration of Loss ma ka panakō hoʻopuka no laila e hae ka panakō i ka helu helu i loko o kāna ʻōnaehana haʻi kālā a hoʻomaka i ka **90-lā kumu kānāwai **.
4. Ala B (Ua Hoʻolilo ʻia / Waiho ʻia ʻo Check e kahi ʻaihue): Inā ʻaihue ka ʻaihue leka uila i ka haki, holoi i ka inoa i uku ʻia a hoʻopunipuni paha i ka pūlima o ka mea uku ma ke kua, a waiho ʻia i loko o kahi waihona ʻē aʻe, ʻo ka manawa kali 90-lā a me nā kānāwai Surety Bond ma lalo o ka UCC Section 3-312 ** NO KA uku ʻole ʻia, ʻaʻole i uku ʻia ka uku. Hoʻololi / Hoʻololi Mea Pono (UCC Sections 3-407, 3-420, a me 4-208), a pono e waiho koke ka panakō hoʻopuka i kahi Breach of Presentment Warranty Claim e kūʻē i ka waihona waihona kālā o ka ʻaihue e hoʻihoʻi i 100 pakeneka o ke kālā me ka ʻole e kūʻai i kahi palapala hōʻoia.
5. E hele i loko o kahi lālā kino o ka Bank Issuing i kēia lā a kau inoa i kahi "UCC Section 3-312 Declaration of Loss" i hoʻopaʻa inoa ʻia. Ma lalo o UCC Māhele 3-312(b), ʻo ke kuleana kānāwai o ka panakō e hoʻihoʻi i kāu kālā ma ka lā 90^th ** hoʻomaka wale ʻia inā ua hāʻawi ʻoe i kahi ʻōlelo hoʻolaha i kākau ʻia no ka Loss i pūlima ʻia ma lalo o ka hoʻopaʻi hoʻohiki wahaheʻe. E lawe mai i kāu Original Purchaser Receipt (Customer Copy) e hōʻike ana i ka helu serial Cashier's Check, ka huina kālā pololei, ka lā hoʻopuka, a me ka inoa o ka mea uku.
6. E hoʻomaopopo i ke ʻano o ka helu ʻia ʻana o ka 90-Day Countdown Clock (E hoʻomaka ana ma ka lā i hoʻopuka ʻia ai ka helu, ʻaʻole i ka lā āu i hōʻike ai ua nalowale). Ka Waihona Waiwai a i ʻole ka ʻeke a ka mea hōʻike kālā) a i ʻole ka lā o ka ʻae ʻia (no kahi hōʻoia i hōʻoia ʻia), a i ʻole (b) ka lā i loaʻa ai ka Hōʻike o ka Nalo e ka panakō. No ka laʻana, inā ua kūʻai ʻoe i ka Cashier's Check i ka lā 1 o Iune a ʻike ʻoe ua nalowale ia ma ka leka uila ma Iune 25, ʻaʻole ʻoe ** kali i 90 mau lā mai Iune 25; pau kou kali ʻana he 90 lā ma ** ʻAukake 30 (90 lā mai Iune 1).
7. E hōʻole e kūʻai i kahi "Lost Instrument Surety / Indemnity Bond" keu ʻole ʻoe makemake i ke kālā i hoʻopuka hou ʻia MAMUA o ka lā 90. He nui nā mea haʻi kālā e haʻi wahaheʻe i nā mea kūʻai aku e koi ana ke kulekele panakō iā ʻoe e uku i kahi hui ʻoiaʻiʻo 2% a 5% o ke kumukūʻai o ka helu ($500 a $1,500 ma kahi hihia $30,00**. He wahaheʻe kēlā. Ma lalo o UCC Section 3-312 Official Comment 3, ʻo ke kumu holoʻokoʻa i kau ai ka Uniform Law Commission i ka Pauku 3-312 no ka hāʻawi ʻana i nā mea kūʻai i ka pono kānāwai manuahi manuahi ʻole i ka hoʻihoʻi hou ʻana ma hope o 90 mau lā. Hiki i ka panakō wale ke noi i ka palapala hoʻopaʻa kālā inā koi ʻoe i ka panakō e hoʻopuka hou i ke kālā koke i nā lā 89 mua ma mua o ka pau ʻana o ka pukaaniani Holder-in-Due-Course he 90 lā.
8. ** Waiho i kahi hōʻike ʻaihue leka uila USPS (USPIS) (uspis.gov/report a i ʻole 1-877-876-2455) a e hoʻomaopopo koke i kāu ʻelele pani, konohiki, a mea kūʻai aku paha.** Inā nalowale a ʻaihue ʻia ka haki ma ka leka uila, e hāʻawi i kāu luna escrow, mea kūʻai aku, a i ʻole konohiki i kope o kāu Bank Purchaser Receipt, kāu Notarized UCC Section 3-312 Declaration of Loss Numbers ʻo ʻoe i ka paʻamau ʻoiai ʻoe e hoʻonohonoho i nā kālā alahaka a i ʻole e kali i waho o ka puka aniani.

lāʻau hoʻoholo: Nalo a ʻaihue ʻia i ka Check Cashier's Check, Certified Check, or Money Order¶

flowchart TD
    A["Koke a ka Cashier, Koke i hooiaio ia, a i ole ke kala kala i nalowale a aihue paha"] --> B{"1. He aha ke ʻano mea kani?"}
    B -->|"A. Koke a ka Bank Cashier, Teller's Check, a i ʻole ka hōʻoia hōʻoia"| C{"2. Call Issuing Bank Verification Line: Ua hoʻokaʻa ʻia a hoʻomaʻemaʻe ʻia ke kope, a i ʻole ʻaʻole i uku ʻia?"}
    B -->|"B. USPS Leta Kāleka, Western Union, a i ʻole MoneyGram"| D["Hoʻopiʻi Hoʻopiʻi Kūʻai Kūʻai Kūʻē i ka faila (PS Puka 6401 no USPS; 30-60 La Trace no WU/MoneyGram; ʻAʻohe Pono Surety Bond)"]
    C -->|"ʻAʻole i uku ʻia"| E["Hoʻokō 'UCC Māhele 3-312 Hōʻike no ka Nalo' i hoʻohiki ʻia ma ka Bank Issuing Today (Kākau ʻia e Remitter OR Payee)"]
    C -->|"UA KALAIA NEI e ka Aihue"| F["ʻAʻole pili ka UCC Section 3-312 90-Day Kali: File Notarized 'Affidavit of Forged Endorsement / Washed Alteration' Under UCC Sections 3-420 & 4-208 to Force Immediately Recredit from Thief's Depository Bank"]
    E --> G{"3. Hiki iā ʻoe ke kali a hiki i ka lā 90th Calendar Day ma hope o ka lā hoʻopuka o ka Check?"}
    G -->|"ʻAe: Hiki ke kali a hiki i ka lā 90"| H["E uku i $0 no ka Palapala Hoʻopaʻa: Ma ka lā 90 ma hope o ka lā hōʻoia, ʻo ka UCC Pauku 3-312(b)(4) Kānāwai Kānāwai e hoʻihoʻi i 100% o ke kālā iā ʻoe."]
    G -->|"ʻAʻole: Pono ke kālā no ka pani ʻana o ka lā ʻapōpō"| I["E noi i ka luna panakō no ka 'aelike hoʻopalekana uku ʻole ʻia e nā mea kūʻai aku' a i ʻole e kiʻi i kahi 1.5%-3% mau mea hana i nalowale ma lalo o ka UCC pauku 3-309 no ka hoʻopuka hou ʻana."]

Māhele 1: No ke aha ʻaʻole hiki i nā panakō ke "Hoʻopau i ka uku" ma kahi hōʻoia a Cashier (The UCC Holder-in-Due-Course Rule)¶

Ke kākau ʻoe i kahi keaka pilikino, e noho ke kālā i kāu moʻokāki a hiki i ka hōʻike ʻia ʻana o ka haki, a ma lalo o UCC Section 4-403 he kuleana ko ke kānāwai e kau i kahi kauoha hoʻomaha ma mua o ka uku ʻana o kāu panakō. Hana ʻia kahi Kāke Kāleka, Hiki a ka mea haʻi aku, a i ʻole Certified Check ma ke kumu kānāwai kūʻē.

1. ** ʻO ka Panakō ponoʻī ka mea hana / Guarantor (UCC Sections 3-104 & 3-412):** Ke kūʻai aku ʻoe i $30,000 Cashier's Check, lawe koke ka panakō i ka $30,000 mai kāu waihona kikoʻī a hoʻoneʻe iā ia i loko o ka ** Official Checks General Ledger**. ʻO ka Cashier's Check he kuleana hoʻohiki pololei ia na ka Issuing Bank iho.
2. ** Nā Hoʻopaʻi Koʻikoʻi ma ka Banako i hōʻole hewa i ka uku ʻana i ka ʻike kālā (UCC Section 3-411):** Ma lalo o UCC Section 3-411(b), inā hōʻole ka panakō hoʻopuka e uku i kāna Check Cashier's ponoʻī ke hōʻike ʻia e ke kanaka nona ke kuleana e hoʻokō iā ia, ʻaʻole pili wale ka panakō no ka nui o ka maka a me ka ukupanee.
3. ** ʻO ka "Holder in Due Course" Risk During the First 90 Days (UCC Section 3-302):** Ina paha e kūʻai ʻoe i $15,000 Cashier's Check i uku ʻia iā "Bob's Auto Sales," e hāʻawi iā Bob, a e koi i kāu panakō ua "nalo" ʻoe i ka haki. I kēia manawa, kākoʻo ʻo Bob i ka ʻeke i kahi lawelawe hoʻokaʻa kālā kūpono a i ʻole ka panakō no ka waiwai ma ka manaʻoʻiʻo maikaʻi me ka ʻole o ka hoʻolaha ʻana i kekahi koi (a Holder in Due Course). Inā hōʻike ka mea paʻa i ka papa Due i ka haki i loko o 90 mau lā, ua koi ʻia kāu panakō e uku i ka $15,000 i ka mea paʻa i ka wā kūpono. Ma lalo o UCC Māhele 3-304(a)(2), ua lilo ka māka i ka "hope" (paʻa) 90 mau lā alemanaka ma hope o kona lā. Ke ʻoi aku ka lōʻihi o ka helu ma mua o 90 mau lā, ** ʻaʻohe mea nāna e lawe i kēlā helu ma hope o ka lā 90 hiki ke lilo i mea paʻa i ka papa kūpono** (UCC Māhele 3-302(a)(2)(iii)). No laila, ma La 90, nalo ka pilikia pili kānāwai o ka panakō, a koi ʻo UCC Section 3-312(b)(4) i ka panakō e uku iā ʻoe i 100 pakeneka o kāu kālā me ka ʻole o ka palapala hōʻoia.

Māhele 2: Hoʻohālikelike i nā lula kānāwai ma ke ʻano o ka mea hana uku¶

E nānā i ke poʻo inoa i paʻi ʻia ma luna o kāu loaʻa a i ʻole mea hana e ʻike ai i ke kaʻina hana kānāwai e hoʻoponopono ai i kāu hoʻihoʻi:

Māhele 3: Ke alakaʻi i kēlā me kēia ʻanuʻu no ka waiho ʻana i kahi "UCC Section 3-312 Declaration of Loss"¶

E hahai i kēia mau kānāwai kānāwai i ka wā e waiho ai i kāu Hōʻike no ka Nalo:

1. ʻO wai ka mea i ʻae ʻia ma ke kānāwai e kau inoa i ka hōʻike o ka nalo? (Remitter vs. Payee)¶

Ma lalo o UCC Māhele 3-312(a)(1), ʻo ka mea i kūpono ma ke ʻano he "Claimant" ma muli o inā ua hāʻawi mua ʻia ke kiko i ka mea uku ma mua o ka nalowale ʻana:

• **Inā Ua Nalo ka Check iā ʻoe (a i ʻole i nalowale i ka leka ma mua o ka hiki ʻana i ka mea uku): ** ** ʻO ʻoe (ka "Remitter" / Purchaser) ** ʻo ia ka mea koi kūpono. No ka mea, ʻaʻole i "hāʻawi ʻia" kahi leka i hoʻouna ʻia ma USPS a hiki i ka mea uku, inā nalo ka envelopp ma ka leka uila, ** ʻoe ** kau inoa i ka Hōʻike o ka Loss ma kāu panakō. No ka pale ʻana i ka hoʻopaʻapaʻa ʻana o ke kākau ʻōlelo panakō no ka hiki ʻana o ka envelopp i ka pahu leta o ka mea uku, e kau inoa i ka mea uku i manaʻo ʻia i 2-sentence Payee Non-Receipt Statement me ka ʻōlelo ʻana: "ʻO wau, ʻo [Payee Name], ʻaʻole loa i loaʻa iaʻu ka Cashier's Check #[Number] ma ka nui o $[Amount] a hoʻokuʻu i kekahi koi no ka mea kūʻai mai], [Your Name]
• Inā hāʻawi ʻia ka hōke i ka mea uku a nalowale ka PAYEE: ** ʻO ka PAYEE ka mea koi pono** ma lalo o ka UCC Section 3-312(a)(1) (a i ʻole hiki iā ʻolua ke kau inoa pū ma ka lālā no laila e hoʻihoʻi pololei ka panakō i ke kālā i kāu moʻokāki).

2. ʻO nā ʻōlelo koi 4 i koi ʻia ma kahi UCC Pono Pauku 3-312 Hōʻike no ka Nalo.¶

Ma lalo o UCC Māhele 3-312(a)(3), pono e hana ʻia kāu Hōʻike i ka Loss ** ma lalo o ka hoʻopaʻi o ka hoʻohiki wahaheʻe** a hōʻike i ʻehā mau ʻike: (1) ua loaʻa iā ʻoe ka haki; (2) ʻaʻole ** ʻo kou lilo ʻana i ka hopena o ka hoʻoili ʻia ʻana e ʻoe a i ʻole ka hopu ʻana i ke kānāwai; (3) ʻAʻole hiki iā ʻoe ke loaʻa pono ka ʻeke no ka mea ua ʻānai ʻia, ʻaʻole hiki ke hoʻomaopopo ʻia kona wahi i loaʻa ai, a i ʻole ma ka lawe hewa ʻana o kekahi kanaka ʻike ʻole ʻia; a (4) wehewehe ʻoe i ke kiko me ka ʻoiaʻiʻo kūpono (Inoa Panakō, Helu Serial, lā i hoʻopuka ʻia, ka nui kālā pololei, ka mea hoʻouna, a me ka mea uku).

3. He aha ka mea e hana ai i nā lā 1 a 89 vs. lā 90?¶

• ** I nā lā 1 a hiki i 89 (Ma hope o ka nānā ʻana i ka lā hoʻopuka):** Hoʻokomo kāu panakō i kahi "Declaration of Loss / Suspect Alert" ma ka helu serial check ma kāna ʻōnaehana kamepiula a me ka hale hoʻomaʻemaʻe, e ʻae ana i ka panakō e koi i ka ID a hōʻole i kahi hōʻoia hoʻopunipuni inā hoʻāʻo ka ʻaihue e kālā.
• Ma ka lā 90 (Ma ka hola 9:00 AM ma ka 90^th Calendar Day After the Check's Issue Date): Ma lalo o UCC Section 3-312(b)(4), inā ʻaʻole i uku ʻia ke kope i ke kanaka i kuleana e hoʻokō ia mea ma mua o ka lā 90, ** ua ʻae ʻia ka panakō ma ke kānāwai e uku koke i ke kuleana o ka waihona kumu ** hoʻokuʻu mau ʻia.

Māhele 4: Pehea e pale ai a hōʻemi paha i ka pahele "Lost Instrument Surety Bond".¶

He aha inā ua nalowale ʻoe i kahi $50,000 Cashier's Check no ka uku ʻana i ka hale, ʻo ka pani ʻana i loko o 5 mau lā, a ʻaʻohe ou kālā hou he $50,000 e kali ai i nā lā 90?

Ke noi ʻoe i ka panakō e hoʻololi i ka helu $50,000 * koke * (ma mua o ka lā 90), e kāhea ka panakō i ka UCC Section 3-309 ("Enforcement of Lost, Destroyed, or Stolen Instrument"), e koi ana i ka "pale pono" (maʻamau he **Lost Instrument Surety / Indemnity Bond no ka hōʻaiʻē 20% **

Eia pehea e pale aku ai i ka hoʻolimalima ʻana:

1. Mua: E noi aku i ka Luna Hoʻokele Bank Branch / Regional Operations Manager no kahi "Internal Personal Indemnity Waiver" (Zero Surety Bond Fee) inā ua uku ʻia ka Check iā ʻoe iho a i ʻole kahi hui inoa:
2. Inā ua uku ʻia ka $50,000 Cashier's Check i nalowale iā "First American Title Company" (a i ʻole e uku ʻia iā Your Own Name, ʻaʻole i ʻae ʻia), ʻaʻohe hale kūʻai kālā ma ka honua e hiki ke ʻae i ke kānāwai me ka ʻole o ka hōʻoia hoʻopunipuni, a inā e ʻae kekahi panakō i ka hōʻoia hoʻopunipuni ʻana o "First American Title Company", ua loaʻa i kāu panakō clawback he kuleana kuleana kuleana 10%. malalo o ka UCC Pauku 4-208.
3. E kuhikuhi i keia i ka Luna Laa a me Regional Risk Officer: "No ka mea, e ukuia keia Cashier's Check i kekahi Hui Title hui [a ia'u iho] a aole loa i endorsed, aole hiki i kekahi ke lilo i Holder in Due Course me ka ole he forged endorsement, no ka mea, he 100% ke kuleana o ka waihona waihona ia oe ma lalo o ka UCC Section 4-208 no ka hoailona o ka mea kūʻai aku ma luna o ka panakō. Kuʻikahi Indemnity me ka ʻole o kahi palapala hoʻopaʻa i waho."
4. ** ʻElua: Inā pono ʻoe e kūʻai i kahi palapala hōʻoia i nā mea hana i nalowale no ka pani koke ʻana, e ʻike i ke kumu kūʻai maoli (1.5% a i 2%) a me nā ʻano ʻē aʻe Bridge-Loan:**
5. Hoʻopuka ʻia nā mea hoʻopaʻa palapala ʻae ʻae ʻia (e like me Surety1, Colonial Surety, Lance Surety, a i ʻole CNA Surety) "Paʻi Paʻa Lost Cashier's Check Bonds" i loko o 24 mau hola no 1.5% a i 2% o ka nui o ka palapala hoʻopaʻa (maʻamau $750 a i $1,000 ma kahi helu $50,000+6.
6. ** ʻAe ʻoi aku ka maikaʻi: ** ʻO ka hōʻaiʻē ʻana i $50,000 no nā lā 85 ma kahi Home Equity Line of Credit (HELOC) a i ʻole kahi Pledged-Asset Loan e kūʻē i kāu moʻokāki brokerage ʻoi aku ka liʻiliʻi i nā lā 85 o ka ukupanee ma mua o ka uku ʻana i ka uku hōʻaiʻē $1,500 i hoʻihoʻi ʻole ʻia, a ma ka lā 950, hoʻihoʻi ʻia kāu panakō i ka $0.

Māhele 5: Verbatim "UCC Māhele 3-312 Hoʻohiki ʻia no ka nalowale a me ke koi no ka hoʻihoʻi ʻana i nā lā 90"¶

Inā hōʻole kāu panakō i ka hāʻawi ʻana i kāna palapala Hōʻike o ka Loss kūloko a i ʻole e hoʻāʻo e koi iā ʻoe e kūʻai i kahi palapala hōʻoia inā makemake ʻoe e kali i nā lā 90, e hoʻopaʻa ʻia kēia ʻōlelo hoʻolaha kānāwai a lawelawe ʻia ma ka Luna Hoʻokele a me ke Keʻena Kānāwai o ka Bank ma o USPS Certified Mail with Return Receipt Requested:

SWORN DECLARATION OF LOSS OF CASHIER'S CHECK / TELLER'S CHECK / CERTIFIED CHECK
AND DEMAND FOR PAYMENT PURSUANT TO UNIFORM COMMERCIAL CODE (UCC) SECTION 3-312

To: [Name of Issuing Bank / Credit Union]
Branch & Official Checks / Loss Prevention Department: [Address]

1. IDENTIFICATION OF LOST, DESTROYED, OR STOLEN INSTRUMENT (UCC Section 3-312(a)(3)):
- Type of Instrument: [Cashier's Check / Teller's Check / Certified Check]
- Issuing Bank Name: [Name of Bank] | Check / Serial Number: [Insert Exact Serial Number]
- Date of Issue (Date of Check): [Insert Exact Date Printed on Check] | Exact Amount: $[Amount]
- Name of Remitter (Purchaser): [Your Full Legal Name] (Account #: [XXXX-1234])
- Name of Payee Stated on Check: [Insert Exact Payee Name]

2. SWORN STATUTORY DECLARATIONS UNDER PENALTY OF PERJURY (UCC Section 3-312(a)(3)):
I, [Your Full Legal Name], being duly sworn, hereby declare under penalty of perjury under the laws of the State of [State] and the United States that:
(a) I am the [Remitter / Payee] of the above-described check and am the lawful "Claimant" within the meaning of Uniform Commercial Code (UCC) Section 3-312(a)(1);
(b) I had lawful possession of the check prior to its loss, and the check was NOT endorsed in blank by the payee;
(c) My loss of possession of the check was NOT the result of a lawful transfer by me or a lawful seizure (specifically, the check was [lost in the U.S. Mail prior to delivery to the payee / stolen from mail / accidentally destroyed / misplaced]); and
(d) I cannot reasonably obtain possession of the check because the check was destroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an unknown person who cannot be found.

3. DEMAND FOR IMMEDIATE SYSTEM FLAG AND FULL REFUND ON DAY 90 WITHOUT SURETY BOND:
Pursuant to UCC Section 3-312(b), this Declaration of Loss is delivered to [Bank Name] at a time allowing [Bank Name] a reasonable time to act on it before the check is paid.
- Please immediately place a "Lost / Stolen - Do Not Pay" alert on Check #[Serial Number] across all teller, mobile-deposit, and clearinghouse systems so that no unauthorized person or forged endorsement is honored.
- Pursuant to UCC Section 3-312(b)(1) and (b)(4), this claim becomes legally enforceable on [Insert Date Exactly 90 Calendar Days After the Date of the Check] (90 calendar days after the date of the check). Under UCC Section 3-312(b)(4) and Official Comment 3, if the check has not been paid to a person entitled to enforce it prior to that date, [Bank Name] is statutorily obligated to refund the full amount of $[Amount] to me on [90th Day Date] WITHOUT requiring any Lost Instrument Surety or Indemnity Bond.

I declare under penalty of perjury that the foregoing is true and correct.
Executed on this [Day] day of [Month], [Year].

________________________________________
[Your Signature, Printed Name, Address, Phone Number, and Email]

Subscribed and sworn to before me on this [Day] day of [Month], [Year], by [Your Name].
________________________________________
Notary Public Signature & Seal
Enclosures: Copy of Cashier's Check Purchaser Receipt, Payee Non-Receipt Statement, and USPS Mail Theft Report (#[Number]).

Nā helu ulia pōpilikia āpana a me nā protocols oihana¶

Inā piʻi aʻe ka hoʻopaʻapaʻa e pili ana i kahi helu i nalowale i ka hoʻoweliweli a i ʻole kahi pilikia olakino, e kelepona i kou wahi helu pilikia koke. No nā hoʻopiʻi hoʻoponopono a me nā meheu kauoha kālā:

• ** ʻAmelika Hui Pū ʻIa:**
• ** Nā Luna Hoʻoponopono o Federal Bank & Credit Union (Ke hōʻole ka panakō i ka hoʻohanohano ʻana i ka UCC Pauku 3-312):** Ke keʻena o ka Luna Hoʻokele o ke kālā (OCC) ma HelpWithMyBank.gov (1-800-613-6743); Ke Keʻena Palekana Waiwai Kūʻai (CFPB) ma consumerfinance.gov/complaint (1-855-411-2372); National Credit Union Administration (NCUA) ma MyCreditUnion.gov (1-800-755-1030).
• ** ʻAhue Leka a me nā mea hoʻopuka kālā:** U.S. ʻOihana Nānā Leta (USPIS) ma uspis.gov/report (1-877-876-2455); ** Nā Kauoha Kālā Leta USPS** (** Puka PS 6401**, laina kūlana 1-866-974-2733); ** Nā Kauoha kālā o Western Union ** (1-800-999-9660); MoneyGram Money Orders (1-800-542-3590).
• Kanada:
• Bank Drafts & Certified Checks (Blls of Exchange Act, R.S.C. 1985, c. B-4): Ma lalo o ka Bills of Exchange Act (Pauku 155-156), ʻaʻole e hoʻopau ʻokoʻa ka waihona panakō Kanada (traite bancaire) ma hope o 90 mau lā. Pono nā panakō Kanada i Bond of Indemnity (Form of Indemnity); no nā huina liʻiliʻi a i ʻole nā ​​kikoʻī e uku ʻia iā ʻoe iho a i ʻole kahi ʻoihana ʻike ʻia, ʻae pinepine nā panakō i kahi Personal Indemnity Agreement, ʻoiai no nā kikoʻī nui o nā ʻaoʻao ʻekolu e koi lākou i kahi palapala hōʻoia. E hoʻonui i nā koi pili pono ʻole i ka Ombudsman for Banking Services and Investments (OBSI) (obsi.ca aiʻole 1-888-451-4519). No Canada Post Money Orders, e kelepona iā 1-800-267-1177.
• Aupuni Mōʻī Hui Pū ʻia:
• Bankers' Drafts (Bills of Exchange Act 1882, Section 69): Ma lalo o ka Paukū 69 o ke UK Bills of Exchange Act 1882, inā nalowale ke kikoo a ka mea panakō ma mua o ka pau ʻana, hiki ke koi ʻia ka panakō e hāʻawi i kahi kikoʻī ma ka loaʻa ʻana o kahi Indemnity. E hoʻonui i ka lohi o ka panakō kūpono ʻole i ka Financial Ombudsman Service (FOS) (financial-ombudsman.org.uk aiʻole 0800 023 4567).
• Australia a me Aotearoa:
• Australia (Cheques Act 1986 (Cth), Paukū 116): Ma lalo o Pauku 116 o ke Australian Checks Act 1986, kahi i nalowale ai a i luku ʻole ʻia ai kahi helu panakō a ʻaʻole i hōʻike ʻia, hiki i ka mea kūʻai aku ke loaʻa i kahi hōke pani a hoʻihoʻi ʻia ma ka hāʻawi ʻana i ka panakō hoʻopuka i ** uku kūpono**. Hoʻonui i nā hoʻopaʻapaʻa i ka Australian Financial Complaints Authority (AFCA) (afca.org.au a i ʻole 1800 931 678) a i ʻole ka Banking Ombudsman Scheme o New Zealand (bankomb.org.nz, 0800 805 950).

Nīnau pinepine¶

E hoʻomaka ana ka manawa kali 90 lā ma lalo o ka UCC Section 3-312 i ka lā i paʻi ʻia ai ka Cashier's Check, a i ʻole ka lā aʻu i hōʻike ai ua nalowale?¶

Ma lalo Kānāwai Kūʻai Kaulike (UCC) Māhele 3-312(b)(1), hoʻomaka ka helu helu 90 lā ma ka KA LA O KA CHECK (ka la i hoopukaia ai ka Peke Kaaahi e ka panakō), ʻAʻole i ka lā āu i hōʻike ai ua nalowale, inā ʻoe e waiho i kāu Hōʻike Nalo ma mua o ka lā 90. ʻOiaʻiʻo, hiki ke hoʻokō ʻia kahi Hōʻike Nalo ma ka hope o: (i) ka 90 o ka lā ma hope o ka lā o ke kiko, a i ʻole (ii) ka lā i loaʻa ai ka Hōʻike o ka Nalo e ka panakō. Inā ʻoe i kūʻai i ka Cashier's Check ma Malaki 1 a waiho ʻoe i kāu Hōʻike no ka Nalo ma Malaki 20, pono e hoʻihoʻi ka panakō i kāu kālā ma Mei 30 (90 mau lā alemanaka mai Malaki 1).

He aha inā inā nalowale kaʻu palapala hōʻaiʻē a ka mea kūʻai mai a ʻaʻole wau ʻike i ka helu serial o ka Cashier's Check?¶

ʻOiai inā nalowale ʻoe i ka stub stub a ka mea kūʻai mai, mālama ka panakō hoʻopuka i kahi moʻolelo uila mau o kēlā me kēia Cashier's Check it pilikia. E hāʻawi i ka mea haʻi kālā i ka lā pololei ua kūʻai ʻoe i ke kiko, ka huina dala pololei dedebited mai kāu moʻokāki ma kāu hōʻike mahina, a me ka wahi o ka lālā. Hiki i ka 'Oihana Checks Official o ka panakō ke huki pololei Helu Serial Check a Cashier, Name Payee, a me ke kūlana hoʻomaʻemaʻe mai ka log hoʻopuka o kēlā me kēia lā i nā minuke.

He aha ka hopena inā loaʻa iaʻu ka Checker's Check mua i loko o kahi drawer MAHOPE o koʻu waiho ʻana i kahi Hōʻike Nalo (a i ʻole ma hope o nā lā 90)?¶

Inā loaʻa iā ʻoe ka hōkeo a Cashier kino mamua ua hoihoi ka panakō i kāu kālā ma ka lā 90, hana ʻaʻole E hāʻawi i ka helu i kāu mea uku a waiho ʻia ma o ka polokalamu kelepona (no ka mea, ua hōʻailona ʻia ka helu helu ʻo "Lost/Stolen" a e lele ana). Akā, e hele i ka māka kino i loko o kāu lālā panakō, e hāʻawi i ka Luna Hoʻokele, a noi iā lākou hoʻopau i ka māka "ʻAʻole i hoʻohana ʻia no ke kumu i manaʻo ʻia" a e hoʻihoʻi i ke koena i kāu moʻokāki hōʻaiʻē koke, ʻoiai ʻo ka hāʻawi ʻana i ka mea hana kino e hoʻopau ai i nā lā 90-lā a me nā palapala hōʻoia. Inā ka panakō ua hala Hoʻihoʻi ʻia kāu kālā ma hope o ka lā 90 a loaʻa iā ʻoe ka haki kahiko, pono ʻo UCC Section 3-312(c) iā ʻoe e hāʻawi i ka ʻeke kumu i ka panakō.

He aha inā inā ʻoi aku ka ʻike kālā aʻu i hoʻohana ʻole ai ma mua o 6 mau mahina a i ʻole 3 mau makahiki: e pau anei ia, a i ʻole ua hoʻokuʻu ʻia i ka Mokuʻāina ʻAʻole Koi ʻia?¶

ʻAʻole like me kahi kikoʻī pilikino (hiki i kahi panakō ke hōʻole e uku ma hope o 6 mau mahina ma lalo o ka UCC Section 4-404), kahi ʻAʻole nalowale ka Cashier's Check i kona kumu waiwai kālā. Eia naʻe, inā ʻaʻole i hoʻopuka ʻia ka Check Cashier 3 a 5 makahiki (ma muli o ke kānāwai dormancy Unclaimed Property o kou mokuʻāina), pono ka panakō hoʻopuka e escheat (hoʻolilo) i nā kālā kālā i ka Luna Hoʻokele waiwai ʻole i koi ʻia. Inā loaʻa iā ʻoe kahi hōke kālā kahiko i hoʻopaʻa ʻole ʻia mai 4 mau makahiki aku nei, e ʻimi i kou inoa a me ka inoa o ka mea uku ma MissingMoney.com e koi i na dala mai ka Puuku Mokuaina.

Hiki iaʻu ke hoʻopau i ka Cashier's Check inā ua hāʻawi mua au iā ia i kahi mea hana ʻaelike a mea kūʻai kaʻa paha a laila ʻike lākou ua hoʻopunipuni iaʻu?¶

ʻAʻole maʻamau ma lalo o ka UCC Pauku 3-312. No ka waiho ʻana i kahi hōʻike kūpono o ka nalo ma lalo o ka UCC Pauku 3-312(a)(3), pono ʻoe e hoʻohiki ma lalo o ka hoʻopaʻi hoʻohiki wahaheʻe. "ʻAʻole ka hopena o ka hoʻoili ʻia e ka mea hoʻolaha." Inā hāʻawi manawaleʻa ʻoe i ka Cashier's Check i kahi mea kūʻai aku a mea kūʻai aku paha, he hoʻoili manawaleʻa ia, no laila, ʻo ka waiho ʻana i kahi "Declaration of Loss" wahaheʻe e ʻōlelo ana ua nalowale ka leka ma ka leka. Eia nō naʻe, inā ʻo ke kanaka āu i hāʻawi ai iā ia e hana hoʻopunipuni kalaima a ʻaihue paha ma ka hoʻopunipuni (a ʻaʻole ʻoe i hoʻoili i ka ʻeke i ka mea paʻa hewa ʻole i ka Due Course), hiki iā ʻoe ke waiho i kahi hōʻike mākaʻi koke a ʻimi i kahi ʻaha hoʻokolokolo ʻO ke kauoha hoʻomaha manawa (TRO) malalo UCC Pauku 3-602(b)(1) e koi ana i ka panakō mai ka uku ʻana i ke kiko.

Nā alakaʻi pili¶

• E hōʻoia i ka holoi ʻana, ka hoʻopunipuni ʻana i ka leka uila, a me ka hoʻopunipuni hoʻopunipuni
• ʻO ka hoʻopunipuni uea pani waiwai a me ka protocol hoʻomanaʻo panakō pilikia
• Nā hoʻoili panakō ʻae ʻole, nā hoʻopaʻapaʻa Regulation E, a me nā kuleana hoʻihoʻi
• ʻO nā pilikia ulia pōpilikia: pahu wili, escheatment, a me ke komo ʻana i ka make
• Nā helu pilikia ma ka ʻāina

Nā kumu a me ke alakaʻi kūhelu¶

• Uniform Law Commission & American Law Institute (United States): Uniform Commercial Code (UCC) Article 3: Section 3-312 (Lost, Destroyed, or Stolen Cashier's Check, Teller's Check, or Certified Check; 90-Day Enforceability Period & Official Comment 3 on Bond-Free Recovery); Pauku 3-309 (Hoʻokō i nā mea hana nalowale me ka uku ʻole); Pauku 3-411; a me Pauku 3-407, 3-420, a me 4-208.
• Ke Keʻena o ka Luna Hoʻoponopono o ke kālā (OCC) & CFPB (ʻAmelika Hui Pū ʻIa): OCC HelpWithMyBank: Nā Kiʻi Kāleka - Nalo, ʻaihue, a i ʻole ka luku ʻia (helpwithmybank.gov) a me Alakaʻi CFPB no nā hōke kūhelu a me nā kauoha kālā.
• United States Postal Service (USPS) & USPIS: Domestic Mail Manual (DMM) Section 509.3 (PS Form 6401) a me USPIS Mail Theft Reporting (uspis.gov/report).
• Ke Aupuni o Canada, UK Legislation, & Australian Government: Canadian Bills of Exchange Act (R.S.C., 1985, c. B-4, Pauku 155-156); Ke Kānāwai Kūkākūkā o UK 1882 (Pauku 69); a me Australian Checks Act 1986 (Cth) (Pauku 116).