Massachusetts General Laws
Article 3 - Negotiable Instruments
Section 3-110 - Identification of Person to Whom Instrument Is Payable

Section 3–110. (a) The person to whom an instrument is initially payable is determined by the intent of the person, whether or not authorized, signing as, or in the name or behalf of, the issuer of the instrument. The instrument is payable to the person intended by the signer even if that person is identified in the instrument by a name or other identification that is not that of the intended person. If more than one person signs in the name or behalf of the issuer of an instrument and all the signers do not intend the same person as payee, the instrument is payable to any person intended by one or more of the signers.
(b) If the signature of the issuer of an instrument is made by automated means, such as a check-writing machine, the payee of the instrument is determined by the intent of the person who supplied the name or identification of the payee, whether or not authorized to do so.
(c) A person to whom an instrument is payable may be identified in any way, including by name, identifying number, office, or account number. For the purpose of determining the holder of an instrument, the following rules apply:
(1) If an instrument is payable to an account and the account is identified only by number, the instrument is payable to the person to whom the account is payable. If an instrument is payable to an account identified by number and by the name of a person, the instrument is payable to the named person, whether or not that person is the owner of the account identified by number.
(2) If an instrument is payable to:
(i) a trust, an estate, or a person described as trustee or representative of a trust or estate, the instrument is payable to the trustee, the representative, or a successor of either, whether or not the beneficiary or estate is also named;
(ii) a person described as agent or similar representative of a named or identified person, the instrument is payable to the represented person, the representative, or a successor of the representative;
(iii) a fund or organization that is not a legal entity, the instrument is payable to a representative of the members of the fund or organization; or
(iv) an office or to a person described as holding an office, the instrument is payable to the named person, the incumbent of the office, or a successor to the incumbent.
(d) If an instrument is payable to two or more persons alternatively, it is payable to any of them and may be negotiated, discharged, or enforced by any or all of them in possession of the instrument. If an instrument is payable to two or more persons not alternatively, it is payable to all of them and may be negotiated, discharged, or enforced only by all of them. If an instrument payable to two or more persons is ambiguous as to whether it is payable to the persons alternatively, the instrument is payable to the persons alternatively.

Structure Massachusetts General Laws

Massachusetts General Laws

Part I - Administration of the Government

Title XV - Regulation of Trade

Chapter 106 - Uniform Commercial Code

Article 3 - Negotiable Instruments

Section 3-111 - Place of Payment

Section 3-112 - Interest

Section 3-102 - Subject Matter

Section 3-312 - Lost, Destroyed, or Stolen Cashier's Check, Teller's Check, or Certified Check

Section 3-401 - Signature

Section 3-402 - Signature by Representative

Section 3-403 - Unauthorized Signature

Section 3-404 - Impostors; Fictitious Payees

Section 3-405 - Employer's Responsibility for Fraudulent Indorsement by Employee

Section 3-406 - Negligence Contributing to Forged Signature or Alteration of Instrument

Section 3-407 - Alteration

Section 3-408 - Drawee Not Liable on Unaccepted Draft

Section 3-409 - Acceptance of Draft; Certified Check

Section 3-410 - Acceptance Varying Draft

Section 3-411 - Refusal to Pay Cashier's Checks, Teller's Checks, and Certified Checks

Section 3-412 - Obligation of Issuer of Note or Cashier's Check

Section 3-413 - Obligation of Acceptor

Section 3-311 - Accord and Satisfaction by Use of Instrument

Section 3-414 - Obligation of Drawer

Section 3-416 - Transfer Warranties

Section 3-418 - Payment or Acceptance by Mistake

Section 3-419 - Instruments Signed for Accommodation

Section 3-420 - Conversion of Instrument

Section 3-501 - Presentment

Section 3-502 - Dishonor

Section 3-503 - Notice of Dishonor

Section 3-504 - Excused Presentment and Notice of Dishonor

Section 3-505 - Evidence of Dishonor

Section 3-601 - Discharge and Effect of Discharge

Section 3-602 - Payment

Section 3-603 - Tender of Payment

Section 3-604 - Discharge by Cancellation or Renunciation

Section 3-605 - Discharge of Indorsers and Accommodation Parties

Section 3-415 - Obligation of Indorser

Section 3-310 - Effect of Instrument on Obligation for Which Taken

Section 3-417 - Presentment Warranties

Section 3-308 - Proof of Signatures and Status as Holder in Due Course

Section 3-309 - Enforcement of Lost, Destroyed, or Stolen Instrument

Section 3-103 - Definitions

Section 3-104 - Negotiable Instrument

Section 3-105 - Issue of Instrument

Section 3-106 - Unconditional Promise or Order

Section 3-107 - Instrument Payable in Foreign Money

Section 3-108 - Payable on Demand or at Definite Time

Section 3-110 - Identification of Person to Whom Instrument Is Payable

Section 3-101 - Short Title

Section 3-113 - Date of Instrument

Section 3-114 - Contradictory Terms of Instrument

Section 3-115 - Incomplete Instrument

Section 3-116 - Joint and Several Liability; Contribution

Section 3-117 - Other Agreements Affecting Instrument

Section 3-118 - Statute of Limitations

Section 3-109 - Payable to Bearer or to Order

Section 3-201 - Negotiation

Section 3-307 - Notice of Breach of Fiduciary Duty

Section 3-119 - Notice of Right to Defend Action

Section 3-306 - Claims to an Instrument

Section 3-305 - Defenses and Claims in Recoupment

Section 3-304 - Overdue Instrument

Section 3-302 - Holder in Due Course

Section 3-301 - Person Entitled to Enforce Instrument

Section 3-303 - Value and Consideration

Section 3-207 - Reacquisition

Section 3-206 - Restrictive Indorsement

Section 3-205 - Special Indorsement; Blank Indorsement; Anomalous Indorsement

Section 3-204 - Indorsement

Section 3-203 - Transfer of Instrument; Rights Acquired by Transfer

Section 3-202 - Negotiation Subject to Rescission