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Glossary term

UCC Filing

Definition

A UCC filing is a public record showing that a lender has a claim on specific personal property used as collateral.

Technical definition

A UCC filing is a financing statement recorded under the Uniform Commercial Code that perfects a lender's security interest in a borrower's personal property.

Why it matters

It establishes the lender's priority claim on chattel like equipment or livestock, and shows up when others check for existing liens.

Example

A lender financing equipment may record a UCC filing covering that equipment.

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