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HRS §490:5-115

Time limit for suing on a letter of credit

You must start a lawsuit to enforce a letter of credit within one year after the letter expires or one year after the breach happens, whichever is later. The clock starts when the breach occurs, even if you don't know about it yet.

beneficiariesfinancial institutionsnotaries

The statute, as written — Statute of limitations

An action to enforce a right or obligation arising under this article must be commenced within one year after the expiration date of the relevant letter of credit or one year after the cause of action accrues, whichever occurs later. A cause of action accrues when the breach occurs, regardless of the aggrieved party's lack of knowledge of the breach.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.