SB1627 • 2026

Modifies provisions relating to stop-payment orders under the UCC

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Trent, Curtis; House handler: N/A
Last action: 2026-02-12
Official status: Second Read and Referred S Insurance and Banking Committee
Effective date: 2026-08-28

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Modifies provisions relating to stop-payment orders under the UCC

The following summaries of this bill are available: Print All Summaries Introduced Print SB 1627 - Current law provides that a stop-payment order for a draw on any account is only effective for six months.

What This Bill Does

The following summaries of this bill are available: Print All Summaries Introduced Print SB 1627 - Current law provides that a stop-payment order for a draw on any account is only effective for six months.
This act repeals the six-month limitation and provides that a stop-payment order is effective unless cancelled by a person authorized to draw on the account.
SCOTT SVAGERA

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-02-12 S384
Second Read and Referred S Insurance and Banking Committee
2026-02-05 S299
S First Read

Official Summary Text

The following summaries of this bill are available:

Print All Summaries

Introduced

Print

SB 1627 - Current law provides that a stop-payment order for a draw on any account is only effective for six months. This act repeals the six-month limitation and provides that a stop-payment order is effective unless cancelled by a person authorized to draw on the account.
SCOTT SVAGERA

Current Bill Text

Read the full stored bill text

EXPLANATION-Matter enclosed in bold-faced brackets [thus] in this bill is not enacted
and is intended to be omitted in the law.
SECOND REGULAR SESSION
SENATE BILL NO. 1627
103RD GENERAL ASSEMBLY
INTRODUCED BY SENATOR TRENT.
6949S.01I KRISTINA MARTIN, Secretary
AN ACT
To repeal section 400.4-403, RSMo, and to enact in lieu thereof one new section relating to stop -
payment orders under the uniform commercial code.
Be it enacted by the General Assembly of the State of Missouri, as follows:
Section A. Section 400.4-403, RSMo, is repealed and one 1
new section enacted in lieu thereof, to be known as section 2
400.4-403, to read as follows:3
400.4-403. (a) A customer or any person authorized to 1
draw on the account if there is more than one person may 2
stop payment of any item drawn on the customer's account or 3
close the account by an order to the bank describing the 4
item or account with reasonable certainty received at a time 5
and in a manner that affords the bank a reasonable 6
opportunity to act on it before any action by the bank with 7
respect to the item described in section 400.4-303. If the 8
signature of more than one person is required to draw on an 9
account, any of these persons may stop payment or close the 10
account. 11
(b) A stop-payment order is effective [for six months] 12
unless canceled by a person authorized to draw on the 13
account, but it lapses after fourteen calendar days if the 14
original order was oral and was not confirmed in writing 15
within that period. [A stop-payment order may be renewed 16
for additional six-month periods by a writing given to the 17
SB 1627 2
bank within a period during which the stop-payment order is 18
effective.] 19
(c) The burden of establishing the fact and amount of 20
loss resulting from the payment of an item contrary to a 21
stop-payment order or order to close an account is on the 22
customer. The loss from payment of an item contrary to a 23
stop-payment order may include damages for dishonor of 24
subsequent items under Section 400.4-402. 25
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