| name | ucc-financing-statement |
| title | UCC Financing Statement and Amendments |
| description | Drafts UCC-1 Financing Statements and UCC-3 Amendments to perfect security interests under Article 9 of the Uniform Commercial Code. Handles debtor identification, collateral descriptions, filing jurisdiction, continuations, terminations, and assignments. Use when drafting UCC-1 filings, UCC-3 amendments, continuation statements, or any secured transaction perfection document. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/ucc-financing-statement |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | finance |
| language | en |
UCC Financing Statement and Amendments
Produces filing-ready UCC-1 or UCC-3 documents that comply with Article 9 and state-specific filing office requirements.
Prerequisites
Gather before drafting:
- Security agreement — executed, identifying debtor, secured party, collateral
- Entity verification — certificate of formation/incorporation, org ID, or individual's driver's license name
- Transaction documents — loan agreement, promissory note, guaranty, subordination
- Collateral details — serial numbers, account numbers, registration numbers for specific assets
- Filing jurisdiction — state of organization (registered entities) or principal residence (individuals) per § 9-307
Quick Start
- Extract exact debtor/secured party names from organizational records or government ID
- Determine filing office (generally Secretary of State for debtor's jurisdiction)
- Draft collateral description using Article 9 categories
- Assemble UCC-1 or UCC-3 with all mandatory fields
- Run quality control checklist before filing
Core Workflow
1. Extract Party Information
| Field | Individual Debtor | Organization Debtor |
|---|
| Name | Exact name per driver's license / govt ID | Exact registered name per state records |
| Address | Mailing address | Mailing address |
| Jurisdiction | Principal residence state | State of organization |
| Org ID | N/A | Organizational ID number |
Cross-check debtor name against organizational documents — minor variations can render filing "seriously misleading" under § 9-506.
2. Determine Filing Jurisdiction
Default: Secretary of State for debtor's jurisdiction of organization/residence.
Exceptions:
- Fixture filings — county real estate records where fixtures located
- As-extracted collateral (minerals/timber) — county real estate records
- Transmitting utilities — state-specific procedures may apply
Confirm state-specific form requirements, e-filing availability, and current fees.
3. Draft Collateral Description
