UCC 1 Filing

Steps

1. Find the initial file number

   Name search first if you do not have it. Then stay on that number.

2. List UCC-3s in date order

   Mark continuation, assignment, amendment, and termination as separate events.

3. Open the image for collateral

   Index lines often omit the collateral description.

4. Choose plain or certified on purpose

   Read the office’s copy menu. Do not call a screenshot certified.

The UCC-1 is the initial financing statement

The debtor name on the UCC-1 has to match the organization’s public organic record or the individual’s name under that state’s Article 9 rules. A wrong debtor name is a search miss later.

Collateral is described on the form. The search index may only show the parties and dates until you open the image.

Read the file family, not one form

People search “ucc-1” when they want the initial notice and “ucc 1 filing” when they want to see if it was accepted. The office’s file number is assigned after acceptance. Later copies, plain or certified, are ordered against that number.

A continuation filed in the statutory window keeps the same file alive. A continuation that cites a different number does nothing to the file you are reading. Certified copies cost more and are a different product from the free image, in states that charge.

Common mistakes

• Quoting the form number UCC-1 as if it were the file number.
• Missing a termination filed as a UCC-3.
• Assuming every state gives free certified copies.
• Ignoring lapse because a PDF still downloads.

Questions

Sources reviewed

• USA.gov state governments