The Uniform Commercial Code (MCL440.1101 through MCL 440.11102), or UCC, as it is commonly abbreviated, provides a central location in Michigan for filing a public notice of a secured transaction. This notice, called a financing statement, is evidence of a commercial agreement between two parties, called the debtor and secured party. The department's UCC office, upon request, also searches the filed information by name. When a business applicant pledges collateral on a loan, UCC search results tell lenders whether others have filed a claim against the same collateral.

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