Cal. Ct. App. 2d Dist. · Court of Appeal opinion · January 1, 1989
Related by Disbursement Authorization + Wire InstructionsCourt record Court of Appeal opinion
Money Store v. Southern California Bank — California Court of Appeal
California Court of Appeal, Fourth District, Division Three · 98 Cal.App.4th 722
AmountNot statedAmount not stated in reviewed source.
ResultCourt of Appeal opinionCourt ruling
HingeWire InstructionsTeaches lenders can contract directly with escrow banks via closing instructions — escrow addenda cannot override lender disbursement rules without notice (foundation for Plaza Home Mortgage v. North American Title).
SourceCourt opinionPublished opinion
File-record question
Teaches lenders can contract directly with escrow banks via closing instructions — escrow addenda cannot override lender disbursement rules without notice (foundation for Plaza Home Mortgage v. North American Title).
Limit before takeaway
Published appellate opinion only. Plaza Home Mortgage v. North American Title (2010) D054685 (supporting link) applies Money Store to HUD-1 settlement duties after escrow close.
- Court / region
- Cal. Ct. App. 4th Dist.
- Case number
- 98 Cal.App.4th 722
- Filed
- January 1, 2002
- Source record
- Court opinion
- Procedural posture
- Court of Appeal opinion
- Money movement stage
- At release
- Record gap
- Authorization gap
- Strongest reviewed source
- Published opinion
- Allegation / finding status
- Court ruling
- Disposition
- Court of Appeal opinion
- Last posture checked
- 2026-05-31
- Reviewed
- 2026-05-31
What happened
Court held lender closing instructions can form an enforceable contract with the escrow bank, which may breach by disbursing per a buyer-seller addendum that conflicts with the lender's wire conditions.
What it hinged on
Wire Instructions. Teaches lenders can contract directly with escrow banks via closing instructions — escrow addenda cannot override lender disbursement rules without notice (foundation for Plaza Home Mortgage v. North American Title).
Amount involved
Amount not stated in reviewed source.
Result
Court of Appeal opinion
Why this belongs here
Teaches lenders can contract directly with escrow banks via closing instructions — escrow addenda cannot override lender disbursement rules without notice (foundation for Plaza Home Mortgage v. North American Title).
Documents to inspect
- Wire instructions
- Beneficiary verification
- Callback log
- Outgoing wire confirmation
- Disbursement authorization
- Escrow instructions
This list is inferred from the topic pattern, not asserted as an extracted document list for this case.
What the file needed to show
Current reviewed metadata frames the file issue this way:
Teaches lenders can contract directly with escrow banks via closing instructions — escrow addenda cannot override lender disbursement rules without notice (foundation for Plaza Home Mortgage v. North American Title).
Timeline
FiledJanuary 1, 2002
Posture checked2026-05-31
Reviewed for Escrow Cases2026-05-31
Topics
Wire Instructions·Disbursement Authorization
Related patterns
Related records are selected from shared topics, hinge category, court type, and posture. They are discovery aids, not claims that the facts or results match.
Continue research
Open a related reviewed-record search or save this trail when the file-record question is worth revisiting.
Source record
What this record does not show
This reviewed record does not show a court finding that any company or person did anything wrong unless the linked source expressly says so. Read the primary source for allegations, posture, and outcome.
Limit: Published appellate opinion only. Plaza Home Mortgage v. North American Title (2010) D054685 (supporting link) applies Money Store to HUD-1 settlement duties after escrow close.
Reviewed California court records with source links. Allegations are not findings.