Crack the Code — UCC Article 3 & 4 Decoded

UCC Article 3: Negotiable Instruments — Power in Paper

UCC Article 3 covers negotiable instruments — things like checks, promissory notes, and other written promises to pay money. These aren't just pieces of paper — they are legal financial tools that can be transferred, enforced, and turned into leverage. This Article is all about how debt is documented, transferred, and collected — and what makes these documents enforceable in court.

🧠 In This Article, You’ll Learn:

• What qualifies as a negotiable instrument

• The difference between a note and a draft

• What makes an instrument valid, negotiable, and enforceable