Note to Readers

Not Legal Advice. This Guide is not intended to express any legal opinions or to provide legal advice. You should consult an attorney for legal advice.

Code Interpretations. You should refer to the actual code provisions that are cited in the text, as I have employed a degree of poetic license in summarizing and describing the law. Since the actual wording may be slightly different, we have added a UCC Index at the end to help you find your way.

California’s UCC. This Guide is based primarily on California’s version of the Uniform Commercial Code. California’s UCC varies in a few respects from the “Official Text” of the uniform law employed by other states. For example, the words “substantially contributes” are changed to “contributes” in California’s version of Section 3406 (“Failure to Exercise Ordinary Care”). Note also: New York has not adopted the 1990 version of the UCC.