Commonwealth Consolidated Acts Commonwealth Consolidated Acts(1) A signature that is written or placed on a cheque as that of a customer of an FIC institution or an FCA institution without the authority of the customer whose signature it purports to be, only operates as the customer's signature for the purposes of section 100 if:
(a) the person against whom it is sought to assert a right on the cheque is estopped from denying the genuineness of the signature or the existence of authority for the signature; or
(b) the signature is ratified or adopted by the customer.
(2) Subsection 32(1) does not apply to the signature.