Oklahoma Code § 12A-4A-203

Title 12A. Uniform Commercial Code: Unenforceability of certain verified payment orders
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UNENFORCEABILITY OF CERTAIN VERIFIED PAYMENT ORDERS
(a)  If an accepted payment order is not, under subsection (a)
of Section 10 of this act, an authorized order of a customer
identified as sender, but is effective as an order of the customer
pursuant to subsection (b) of Section 10 of this act, the following
rules apply:
(1)  By express agreement evidenced by a record, 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)  This section applies to amendments of payment orders to the
same extent it applies to payment orders.

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