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TeachMeFinance.com - explain Bearer Bearer -- The person in possession of a negotiable instrument, document of title, or security marked "payable to bearer", or the person in possession of one of these documents endorsed in blank. historic definition... Bearer -- The holder ; the person who is in possession, as the person who is in possession of a check, bill (bill of exchange) or promissory note that is payable to bearer. Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.