Secretary of State
The Uniform Commercial Code (MCL440.1101 through MCL 440.11102), or UCC, governs commercial transactions. The Code includes 11 articles covering a variety of topics, such as sales, negotiable instruments, bank deposits and collections, and investment securities. Article 9 of the UCC, (Secured Transactions), designates the Office of the Secretary of State as the location for filing public notice of a secured transaction. This notice, called a financing statement, is evidence of a commercial agreement between two parties known as the “debtor” and the “secured party.” Upon request, UCC also searches the filed information by debtor name. When a debtor pledges collateral on a loan, UCC search results show lenders whether others have filed a claim against the same collateral.
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