Basic Uniform Commercial Code

File

To file and perfect a security interest, you basically always file centrally in the state where the debtor is located. UCC § 9-301(1), UCC § 9-307, UCC § 9-501(a)(2).

For as-extracted collateral, timber to be cut, and fixtures, you file locally in the county where the property is located. UCC § 9-501(a)(1). (Because they are related to real estate)

Filing is generally required for everything except:

• Money – UCC § 9-312(b)(3)
• LoC Rights – UCC § 9-312(b)(2)
• Deposit Accounts – UCC § 9-312(b)(1)
• Some Certificate of Title Property – UCC § 9-311(a) & (d)