reglab/housing_qa huggingface dataset:
13 PA Cons Stat § 4405 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 44 - Relationship Between Payor Bank and Its Customer|Section 4405 - Death or incapacity of customer

§ 4405. Death or incapacity of customer.  (a) Authority of bank unaffected in absence of knowledge.-- The authority of a payor or collecting bank to accept, pay or collect an item or to account for proceeds of its collection, if otherwise effective, is not rendered ineffective by incapacity of a customer of either bank existing at the time the item is issued or its collection is undertaken if the bank does not know of an adjudication of incapacity. Neither death nor incapacity of a customer revokes the authority to accept, pay, collect or account until the bank knows of the fact of death or of an adjudication of incapacity and has reasonable opportunity to act on it.  (b) Limited authority of bank following knowledge.--Even with knowledge, a bank may for ten days after the date of death pay or certify checks drawn on or before that date unless ordered to stop payment by a person claiming an interest in the account. (Apr. 16, 1992, P.L.108, No.24, eff. 60 days; July 9, 1992, P.L.507, No.97, eff. one year)  1992 Amendments. Act 24 amended the heading and subsec. (a) and Act 97 amended the entire section. Act 97 overlooked the amendment by Act 24, but the amendments do not conflict in substance, and both have been given effect in setting forth the section heading and the text of subsec. (a).
13 PA Cons Stat § 4407 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 44 - Relationship Between Payor Bank and Its Customer|Section 4407 - Right of payor bank to subrogation on improper payment

§ 4407. Right of payor bank to subrogation on improper payment. If a payor bank has paid an item over the order of the drawer or maker to stop payment, or after an account has been closed, or otherwise under circumstances giving a basis for objection by the drawer or maker, to prevent unjust enrichment and only to the extent necessary to prevent loss to the bank by reason of its payment of the item, the payor bank is subrogated to the rights:  (1) of any holder in due course on the item against the drawer or maker;  (2) of the payee or any other holder of the item against the drawer or maker either on the item or under the transaction out of which the item arose; and  (3) of the drawer or maker against the payee or any other holder of the item with respect to the transaction out of which the item arose. (July 9, 1992, P.L.507, No.97, eff. one year)  Cross References. Section 4407 is referred to in section 3418 of this title.
13 PA Cons Stat § 4501 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 45 - Collection of Documentary Drafts|Section 4501 - Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor

§ 4501. Handling of documentary drafts; duty to send for presentment and to notify customer of dishonor.  A bank that takes a documentary draft for collection shall present or send the draft and accompanying documents for presentment and, upon learning that the draft has not been paid or accepted in due course, shall seasonably notify its customer of the fact even though it may have discounted or bought the draft or extended credit available for withdrawal as of right.  (July 9, 1992, P.L.507, No.97, eff. one year)
13 PA Cons Stat § 4502 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 45 - Collection of Documentary Drafts|Section 4502 - Presentment of "on arrival" drafts

§ 4502. Presentment of "on arrival" drafts. If a draft or the relevant instructions require presentment "on arrival", "when goods arrive" or the like, the collecting bank need not present until in its judgment a reasonable time for arrival of the goods has expired. Refusal to pay or accept because the goods have not arrived is not dishonor; the bank must notify its transferor of the refusal but need not present the draft again until it is instructed to do so or learns of the arrival of the goods. (July 9, 1992, P.L.507, No.97, eff. one year)
13 PA Cons Stat § 4503 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 45 - Collection of Documentary Drafts|Section 4503 - Responsibility of presenting bank for documents and goods; report of reasons for dishonor; referee in case of need

§ 4503. Responsibility of presenting bank for documents and  goods; report of reasons for dishonor; referee in  case of need. Unless otherwise instructed and except as provided in Division 5 (relating to letters of credit), a bank presenting a documentary draft:  (1) must deliver the documents to the drawee on acceptance of the draft if it is payable more than three days after presentment; otherwise, only on payment; and  (2) upon dishonor, either in the case of presentment for acceptance or presentment for payment, may seek and follow instructions from any referee in case of need designated in the draft or, if the presenting bank does not choose to utilize the referee's services, it must use diligence and good faith to ascertain the reason for dishonor, must notify its transferor of the dishonor and of the results of its effort to ascertain the reasons therefor and must request instructions. However, the presenting bank is under no obligation with respect to goods represented by the documents except to follow any reasonable instructions seasonably received; it has a right to reimbursement for any expense incurred in following instructions and to prepayment of or indemnity for those expenses. (July 9, 1992, P.L.507, No.97, eff. one year)
13 PA Cons Stat § 4504 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 45 - Collection of Documentary Drafts|Section 4504 - Privilege of presenting bank to deal with goods; security interest for expenses

§ 4504. Privilege of presenting bank to deal with goods;  security interest for expenses.  (a) Dealing with goods following dishonor of documentary draft.--A presenting bank that, following the dishonor of a documentary draft, has seasonably requested instructions but does not receive them within a reasonable time may store, sell or otherwise deal with the goods in any reasonable manner.  (b) Security interest for expenses.--For its reasonable expenses incurred by action under subsection (a), the presenting bank has a lien upon the goods or their proceeds, which may be foreclosed in the same manner as an unpaid lien of a seller. (July 9, 1992, P.L.507, No.97, eff. one year)
13 PA Cons Stat § 4A101 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A101 - Short title of division

§ 4A101. Short title of division.  This division shall be known and may be cited as the Uniform Commercial Code, Article 4A, Funds Transfers.
13 PA Cons Stat § 4A102 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A102 - Subject matter

§ 4A102. Subject matter.  Except as otherwise provided in section 4A108 (relating to relationship to Electronic Fund Transfer Act), this division applies to funds transfers defined in section 4A104 (relating to funds transfer; definitions). (July 9, 2013, P.L.262, No.49, eff. 60 days)
13 PA Cons Stat § 4A103 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A103 - Payment order; definitions

§ 4A103. Payment order; definitions.  (a) Definition of "payment order" and related terms.--The following words and phrases when used in this division shall have the meanings given to them in this subsection:  (1) "Payment order." An instruction of a sender to a receiving bank, transmitted orally, electronically or in writing, to pay, or to cause another bank to pay, a fixed or determinable amount of money to a beneficiary if:  (i) the instruction does not state a condition to payment to the beneficiary other than time of payment;  (ii) the receiving bank is to be reimbursed by debiting an account of, or otherwise receiving payment from, the sender; and  (iii) the instruction is transmitted by the sender directly to the receiving bank or to an agent, funds- transfer system or communication system for transmittal to the receiving bank.  (2) "Beneficiary." The person to be paid by the beneficiary's bank.  (3) "Beneficiary's bank." The bank identified in a payment order in which an account of the beneficiary is to be credited pursuant to the order or which otherwise is to make payment to the beneficiary if the order does not provide for payment to an account.  (4) "Receiving bank." The bank to which the sender's instruction is addressed.  (5) "Sender." The person giving the instruction to the receiving bank.  (b) Instruction.--If an instruction complying with subsection (a)(1) is to make more than one payment to a beneficiary, the instruction is a separate payment order with respect to each payment.  (c) When payment order is issued.--A payment order is issued when it is sent to the receiving bank. (June 8, 2001, P.L.123, No.18, eff. July 1, 2001)  2001 Amendment. Act 18 amended subsec. (a) intro. par.  Cross References. Section 4A103 is referred to in section 4A105 of this title.
13 PA Cons Stat § 4A104 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A104 - Funds transfer; definitions

§ 4A104. Funds transfer; definitions.  (a) Definition of "funds transfer".--"Funds transfer" means the series of transactions, beginning with the originator's payment order, made for the purpose of making payment to the beneficiary of the order. The term includes any payment order issued by the originator's bank or an intermediary bank intended to carry out the originator's payment order. A funds transfer is completed by acceptance by the beneficiary's bank of a payment order for the benefit of the beneficiary of the originator's payment order.  (b) Definition of "intermediary bank".--"Intermediary bank" means a receiving bank other than the originator's bank or the beneficiary's bank.  (c) Definition of "originator".--"Originator" means the sender of the first payment order in a funds transfer.  (d) Definition of "originator's bank".--"Originator's bank" means:  (1) the receiving bank to which the payment order of the originator is issued if the originator is not a bank; or  (2) the originator if the originator is a bank.  Cross References. Section 4A104 is referred to in sections 4A102, 4A105 of this title.
13 PA Cons Stat § 4A106 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A106 - Time payment order is received

§ 4A106. Time payment order is received.  (a) General rule.--The time of receipt of a payment order or communication canceling or amending a payment order is determined by the rules applicable to receipt of a notice stated in section 1202 (relating to notice; knowledge). A receiving bank may fix a cutoff time or times on a funds-transfer business day for the receipt and processing of payment orders and communications canceling or amending payment orders. Different cutoff times may apply to payment orders, cancellations or amendments or to different categories of payment orders, cancellations or amendments. A cutoff time may apply to senders generally or different cutoff times may apply to different senders or categories of payment orders. If a payment order or communication canceling or amending a payment order is received after the close of a funds-transfer business day or after the appropriate cutoff time on a funds-transfer business day, the receiving bank may treat the payment order or communication as received at the opening of the next funds-transfer business day.  (b) When date of certain required action does not fall on funds-transfer business day.--If this division refers to an execution date or payment date or states a day on which a receiving bank is required to take action and the date or day does not fall on a funds-transfer business day, the next day that is a funds-transfer business day is treated as the date or day stated, unless the contrary is stated in this division. (Apr. 16, 2008, P.L.57, No.13, eff. 60 days)  2008 Amendment. Act 13 amended subsec. (a).
13 PA Cons Stat § 4A107 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A107 - Federal Reserve regulations and operating circulars

§ 4A107. Federal Reserve regulations and operating circulars. Regulations of the Board of Governors of the Federal Reserve System and operating circulars of the Federal Reserve banks supersede any inconsistent provision of this division to the extent of the inconsistency.
13 PA Cons Stat § 4A108 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A1 - Subject Matter and Definitions|Section 4A108 - Relationship to Electronic Fund Transfer Act

§ 4A108. Relationship to Electronic Fund Transfer Act.   (a) Nonapplicability.--Except as set forth in subsection (b), this division does not apply to a funds transfer any part of which is governed by the Electronic Fund Transfer Act (Public Law 95-630, 15 U.S.C. § 1693 et seq.).  (b) Applicability.--This division applies to a funds transfer that is a "remittance transfer" as defined in section 919(g)(2) and (3) of the Electronic Fund Transfer Act (Public Law 95-630, 15 U.S.C. § 1693o-1(g)(2) and (3)), unless the remittance transfer is an "electronic fund transfer" as defined in section 903(7) of the Electronic Fund Transfer Act (Public Law 95-630, 15 U.S.C. § 1693a(7)).  (c) Inconsistency.--In a funds transfer to which this division applies, in the event of an inconsistency between an applicable provision of this division and an applicable provision of the Electronic Fund Transfer Act, the provision of the Electronic Fund Transfer Act governs to the extent of the inconsistency. (July 9, 2013, P.L.262, No.49, eff. 60 days)    Cross References. Section 4A108 is referred to in section 4A102 of this title.
13 PA Cons Stat § 4A201 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A2 - Issue and Acceptance of Payment Order|Section 4A201 - Security procedure

§ 4A201. Security procedure.  "Security procedure" means a procedure established by agreement of a customer and a receiving bank for the purpose of: (1) verifying that a payment order or communication amending or canceling a payment order is that of the customer; or (2) detecting error in the transmission or the content of the payment order or communication. A security procedure may require the use of algorithms or other codes, identifying words or numbers, encryption, callback procedures or similar security devices. Comparison of a signature on a payment order or communication with an authorized specimen signature of the customer is not by itself a security procedure.    Cross References. Section 4A201 is referred to in section 4A105 of this title.
13 PA Cons Stat § 4A203 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A2 - Issue and Acceptance of Payment Order|Section 4A203 - Unenforceability of certain verified payment orders

§ 4A203. Unenforceability of certain verified payment orders.  (a) General rule.--If an accepted payment order is not, under section 4A202(a) (relating to authorized and verified payment orders), an authorized order of a customer identified as sender, but is effective as an order of the customer pursuant to section 4A202(b), the following rules apply:  (1) By express written agreement, the receiving bank may limit the extent to which it is entitled to enforce or retain payment of the payment order.  (2) The receiving bank is not entitled to enforce or retain payment of the payment order if the customer proves that the order was not caused, directly or indirectly, by a person:  (i) entrusted at any time with duties to act for the customer with respect to payment orders or the security procedure; or  (ii) who obtained access to transmitting facilities of the customer or who obtained, from a source controlled by the customer and without authority of the receiving bank, information facilitating breach of the security procedure, regardless of how the information was obtained or whether the customer was at fault. Information includes any access device, computer software or the like.  (b) Amendments of payment orders.--This section applies to amendments of payment orders to the same extent it applies to payment orders.  Cross References. Section 4A203 is referred to in sections 4A202, 4A204 of this title.
13 PA Cons Stat § 4A204 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A2 - Issue and Acceptance of Payment Order|Section 4A204 - Refund of payment and duty of customer to report with respect to unauthorized payment order

§ 4A204. Refund of payment and duty of customer to report with  respect to unauthorized payment order.  (a) General rule.--If a receiving bank accepts a payment order issued in the name of its customer as sender which is not authorized and not effective as the order of the customer under section 4A202 (relating to authorized and verified payment orders) or not enforceable, in whole or in part, against the customer under section 4A203 (relating to unenforceability of certain verified payment orders), the bank shall refund any payment of the payment order received from the customer to the extent the bank is not entitled to enforce payment and shall pay interest on the refundable amount calculated from the date the bank received payment to the date of the refund. However, the customer is not entitled to interest from the bank on the amount to be refunded if the customer fails to exercise ordinary care to determine that the order was not authorized by the customer and to notify the bank of the relevant facts within a reasonable time, not exceeding 90 days, after the date the customer received notification from the bank that the order was accepted or that the customer's account was debited with respect to the order. The bank is not entitled to any recovery from the customer on account of a failure by the customer to give notification as stated in this section.  (b) Reasonable time.--Reasonable time under subsection (a) may be fixed by agreement as stated in section 1205(a) (relating to reasonable time; seasonableness), but the obligation of a receiving bank to refund payment as stated in subsection (a) may not otherwise be varied by agreement. (Apr. 16, 2008, P.L.57, No.13, eff. 60 days)  2008 Amendment. Act 13 amended subsec. (b).  Cross References. Section 4A204 is referred to in section 4A402 of this title.
13 PA Cons Stat § 4A205 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A2 - Issue and Acceptance of Payment Order|Section 4A205 - Erroneous payment orders

§ 4A205. Erroneous payment orders.  (a) Types of erroneous payment orders.--  (1) The rules set forth under paragraph (2) apply if an accepted payment order was transmitted pursuant to a security procedure for the detection of error and the payment order:  (i) erroneously instructed payment to a beneficiary not intended by the sender;  (ii) erroneously instructed payment in an amount greater than the amount intended by the sender; or  (iii) was an erroneously transmitted duplicate of a payment order previously sent by the sender.  (2) (i) If the sender proves that the sender or a person acting on behalf of the sender pursuant to section 4A206 (relating to transmission of payment order through funds-transfer or other communication system) complied with the security procedure and that the error would have been detected if the receiving bank had also complied, the sender is not obliged to pay the order to the extent stated in subparagraphs (ii) and (iii).  (ii) If the funds transfer is completed on the basis of an erroneous payment order described in paragraph  (1)(i) or (iii), the sender is not obliged to pay the order and the receiving bank is entitled to recover from the beneficiary any amount paid to the beneficiary to the extent allowed by the law governing mistake and restitution.  (iii) If the funds transfer is completed on the basis of a payment order described in paragraph (1)(ii), the sender is not obliged to pay the order to the extent the amount received by the beneficiary is greater than the amount intended by the sender. In that case, the receiving bank is entitled to recover from the beneficiary the excess amount received to the extent allowed by the law governing mistake and restitution.  (b) Duty of sender.--If the sender of an erroneous payment order described in subsection (a) is not obliged to pay all or part of the order and the sender receives notification from the receiving bank that the order was accepted by the bank or that the sender's account was debited with respect to the order, the sender has a duty to exercise ordinary care, on the basis of information available to the sender, to discover the error with respect to the order and to advise the bank of the relevant facts within a reasonable time, not exceeding 90 days, after the bank's notification was received by the sender. If the bank proves that the sender failed to perform that duty, the sender is liable to the bank for the loss the bank proves it incurred as a result of the failure, but the liability of the sender may not exceed the amount of the sender's order.  (c) Amendments to payment orders.--This section applies to amendments to payment orders to the same extent it applies to payment orders.  Cross References. Section 4A205 is referred to in section 4A402 of this title.
13 PA Cons Stat § 4A206 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 13 - COMMERCIAL CODE|Chapter 4A2 - Issue and Acceptance of Payment Order|Section 4A206 - Transmission of payment order through funds-transfer or other communication system

§ 4A206. Transmission of payment order through funds-transfer  or other communication system.  (a) General rule.--If a payment order addressed to a receiving bank is transmitted to a funds-transfer system or other third-party communication system for transmittal to the bank, the system is deemed to be an agent of the sender for the purpose of transmitting the payment order to the bank. If there is a discrepancy between the terms of the payment order transmitted to the system and the terms of the payment order transmitted by the system to the bank, the terms of the payment order of the sender are those transmitted by the system. This section does not apply to a funds-transfer system of the Federal Reserve banks.  (b) Cancellations and amendments of payment orders.--This section applies to cancellations and amendments of payment orders to the same extent it applies to payment orders.  Cross References. Section 4A206 is referred to in section 4A205 of this title.