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Uniform Commercial Code

In order to claim an interest in collateral used for a loan (and to have the claim indexed for public notice), financing statements must be filed with the UCC Section of the Secretary of State’s office, and/or with a county recorder’s office, whichever is appropriate. Lenders protect their rights to collateral offered in a loan transaction by filing UCC statements with the Secretary of State’s office.

The Ohio Secretary of State’s UCC Section processes an average 186,000 UCC filings each year

Where to File
Article 9 requires the place to file for most collateral allocations is the place of the debtor’s location. If the debtor is a “registered organization,” then the financing statement is filed centrally in the state where the debtor is legally registered and organized. If the debtor is an individual, the financing statement must be filed centrally in the state of the debtor’s legal residence.

All real estate-related transactions are “perfected” by filing in the office where a mortgage on the real estate would be indexed or recorded. Foreign debtors are located in Washington, D.C. for purposes of such filings. The Ohio Secretary of State's office allows secured parties to file online.

Article 9 establishes uniform documents for filing with the central filing office. Visit the forms page for more information on UCC filing forms.

UCC Information Statement

A debtor or secured party who believes a financing statement is incomplete or incorrect may file an information statement at any time. This information will be assimilated into the official record.

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