---
title: O.C.G.A. § 11-3-403. Unauthorized signature.
collection: code
id: 11-3-403
cite_as: O.C.G.A. § 11-3-403 (2025)
canonical_url: https://georgiacommons.org/code/11-3-403
md_url: https://georgiacommons.org/code/11-3-403.md
text_url: https://georgiacommons.org/code/11-3-403/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t11-(v9)-2022-pdf.pdf?sfvrsn=b5451bbd_0#page=420
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/11-3.md
previous: https://georgiacommons.org/code/11-3-402.md
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: COMMERCIAL CODE / NEGOTIABLE INSTRUMENTS / LIABILITY OF PARTIES
---

# O.C.G.A. § 11-3-403. Unauthorized signature.

(a) Unless otherwise provided in this article or Article 4 of this title, an unauthorized signature is ineffective except as the signature of the unauthorized signer in favor of a person who in good faith pays the instrument or takes it for value. An unauthorized signature may be ratified for all purposes of this article.

(b) If the signature of more than one person is required to constitute the authorized signature of an organization, the signature of the organization is unauthorized if one of the required signatures is lacking.

(c) The civil or criminal liability of a person who makes an unauthorized signature is not affected by any provision of this article which makes the unauthorized signature effective for the purposes of this article.

## History

Code 1981, § 11-3-403, enacted by Ga. L. 1996, p. 1306, § 3.