diff --git a/modules/ripple_data/protocol/ripple_TER.cpp b/modules/ripple_data/protocol/ripple_TER.cpp
index fa2418a9e1..8e2d1e69a6 100644
--- a/modules/ripple_data/protocol/ripple_TER.cpp
+++ b/modules/ripple_data/protocol/ripple_TER.cpp
@@ -31,6 +31,7 @@ bool transResultInfo (TER terCode, std::string& strToken, std::string& strHuman)
         {   tecUNFUNDED_ADD,        "tecUNFUNDED_ADD",          "Insufficient XRP balance for WalletAdd."               },
         {   tecUNFUNDED_OFFER,      "tecUNFUNDED_OFFER",        "Insufficient balance to fund created offer."           },
         {   tecUNFUNDED_PAYMENT,    "tecUNFUNDED_PAYMENT",      "Insufficient XRP balance to send."                     },
+        {   tecOWNERS,              "tecOWNERS",                "Non-zero owner count."                                 },
 
         {   tefFAILURE,             "tefFAILURE",               "Failed to apply."                                      },
         {   tefALREADY,             "tefALREADY",               "The exact transaction was already in this ledger."     },
diff --git a/modules/ripple_data/protocol/ripple_TER.h b/modules/ripple_data/protocol/ripple_TER.h
index b51a229454..4ba0387b55 100644
--- a/modules/ripple_data/protocol/ripple_TER.h
+++ b/modules/ripple_data/protocol/ripple_TER.h
@@ -150,6 +150,7 @@ enum TER    // aka TransactionEngineResult
     tecUNFUNDED                 = 129,  // Deprecated, old ambiguous unfunded.
     tecMASTER_DISABLED          = 130,
     tecNO_REGULAR_KEY           = 131,
+    tecOWNERS                   = 132,
 };
 
 // VFALCO TODO change these to normal functions.
diff --git a/src/cpp/ripple/AccountSetTransactor.cpp b/src/cpp/ripple/AccountSetTransactor.cpp
index a1e72df13b..39697ec988 100644
--- a/src/cpp/ripple/AccountSetTransactor.cpp
+++ b/src/cpp/ripple/AccountSetTransactor.cpp
@@ -50,7 +50,7 @@ TER AccountSetTransactor::doApply ()
         {
             WriteLog (lsINFO, AccountSetTransactor) << "AccountSet: Retry: OwnerCount not zero.";
 
-            return terOWNERS;
+            return isSetBit(mParams, tapRETRY) ? terOWNERS : tecOWNERS;
         }
 
         WriteLog (lsINFO, AccountSetTransactor) << "AccountSet: Set RequireAuth.";