UCC-1
Step-by-Step Instructions: Filing a UCC-1 in New York State
The official filing office for most UCC-1 Financing Statements in New York is the Department of State (DOS). E-Filing is the fastest and least expensive method.
Phase 1: Preparation (Before Filing)
Step 1: Secure the Official New York Form
New York State requires its own specific forms, which differ from the national standard UCC forms.
Action: Go to the New York State Department of State website's Uniform Commercial Code section. Locate the UCC Financing Statement (Form UCC1). You must use the official NY form (paper or electronic).
Step 2: Ensure Accuracy of Data
Accuracy is paramount; a minor error in the Debtor's name can invalidate the filing. You must transcribe the data from your draft template onto the official form carefully.
DEBTOR (Box 1): The Debtor must be the exact name of the legal entity.
SECURED PARTY (Box 3): This is your designation as the living principal.
COLLATERAL (Box 4): Enter the full, comprehensive description of the collateral. If the description is long, you must use the UCC Financing Statement Addendum (UCC1Ad) form and reference it in Box 4 of the main UCC-1 form.
Step 3: Determine Filing Fee
Electronic Filing (e-Filing): $20.00 (Recommended)
Paper/Mail Filing: $40.00
Phase 2: Submission Process
Option A: Online E-Filing (Fastest and Cheapest)
Access System: Navigate to the NY DOS UCC e-Filing system page.
Select Form: Choose the Electronic UCC Financing Statement option.
Data Entry: Carefully input all data from your preparation (Debtor, Secured Party, Collateral).
Payment: Pay the $20.00 fee using an accepted credit or debit card (Visa, MasterCard, or American Express).
Confirmation: The system will provide an e-Filing Acknowledgment screen with your filing number, date, and time. Print this screen for your records.
Option B: Filing by Mail
Complete Forms: Print and meticulously fill out the official UCC1 form (and UCC1Ad if needed). Do not use the National Standard forms.
Payment: Write a check or money order for $40.00 payable to the "Department of State." (Checks over $500 may need to be certified).
Mailing Address: Send the completed form and payment to:
Phase 3: Post-Filing
Step 4: Receive Acknowledgment
The NY DOS will send you a filing acknowledgment, which includes the UCC File Number and the date/time of filing. This official record is essential proof that your interest is secured and perfected. This is usually returned by first-class mail.
Step 5: Maintenance
Duration: The UCC-1 Financing Statement is effective for five years from the date of filing.
Continuation: To maintain your security interest beyond five years, you must file a UCC Financing Statement Amendment (UCC3) to request a continuation. This must be filed within the six months before the five-year expiration date.
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• Nov 10
Awesome! Thank you for sharing!
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• Nov 10
Thank you Madonna! One question. I have an approved filing in NYS. Could I file one in Texas if I was born there or would the one in NYS suffice? Thank you for your help😊
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• Nov 11
I filled in NY only. I was born in GA. Hope that helps.
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• Nov 10
Gratitude 🙏🏾
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• Nov 10
You can file your UCC-1 in any one of the 50 States. Your Filing gives the world your "Official Notice".
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• Nov 11
Thanks Madonna
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• Nov 11
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• Nov 11
FYI, If you're Secretary of State REJECTS your UCC-1 then you have no choice but to go to another State. California SOS is one of those! I heard PIMA COUNTY in ARIZONA has been GREAT ACCEPTING these filings and are very familiar with all related documents! I have few friends that have Successfully filed there! 😄
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• Nov 12
I am going to go through Alaska
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• Nov 12
To have it recorded.
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• Nov 20
I am rethinking to send to Pima County in AZ
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• Nov 12
Thank you so much! 😊 I've already filed one here in Georgia but I may go ahead and do one for New York as well.
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• Nov 12
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• Nov 12
that Sounds like a great plan sister! Good luck! 👍
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• Nov 13 (edited)
thank you & great instructions to copy & save to your computer!!! 🤩 The advice I have received is to file one in New York and also in your state….if your state is giving you a hard time, then go to Pima County, AZ or another friendlier state.
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• Nov 20
I am thinking to send mine to AZ not Alaska, because you can upload directly to their website to have it recorded.
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• Nov 13
Yesss just completed one in NY for my husband and I UCC-1 & a Non-UCC 😏 FYI UCC-1 and affidavit go together to seal the deal a UCC-1 is not a lien, a lien is a claim, a claim is EXPRESSED in an affidavit, which is filed on the public record on the Secretary of State website/Office of your choice which we prefer New York because it’s international and the Capital state. If you wanna be extra you can get the lien number do a 5 sentence ad in the newspaper, declaring the lien number about (four weeks) Now you have document or proof of claim on public record which they did not contest against it has been signed , sealed and delivered.🔥😉
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• Nov 14
Correct Sister, Publication in the Newspaper is OFFICIAL to the MAX because it Notices the Courts as well! 😁💯
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• Nov 14
I published mine in the UT Business Journal. It was less expensive than the paper. They sent an Affidavit after they published it. (4 weeks $87.50)
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• Nov 14
Yes that Affidavit is your Most Powerful Official Evidence of the Official Notice! NO ONE can ever DENY that! 🤣 Good Job sister! 💯
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§ 1-103. Construction of Uniform Commercial Code to Promote its Purposes and Policies: Applicability of Supplemental Principles of Law.
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§ 3-401. SIGNATURE. | Uniform Commercial Code | US Law | LII / Legal Information Institute
§ 3-401. SIGNATURE.
(a) A person is not liable on an instrument unless (i) the person signed the instrument, or (ii) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402 .
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§ 3-603. TENDER OF PAYMENT. | Uniform Commercial Code | US Law | LII / Legal Information Institute
§ 3-603. TENDER OF PAYMENT.
§ 3-104. NEGOTIABLE INSTRUMENT.
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bad faith
Bad faith refers to dishonesty or fraud in a transaction. Depending on the exact setting, bad faith may mean a dishonest belief or purpose, untrustworthy performance of duties, neglect of fair dealing standards, or a fraudulent intent. It is often related to a breach of the obligation inherent in all contracts to deal with the other parties in good faith and with fair dealing.
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treason
Treason is the betrayal of one’s own country by attempting to overthrow the government through waging war against the State or materially aiding its enemies.
According to the United States Constitution, Article III, Section 3, “Treason against the United States, shall consist only in levying war against them, or in adhering to their enemies, giving them aid and comfort. No person shall be convicted of treason unless on the testimony of two witnesses to the same overt act, or on confession in open court.”
Furthermore, 18 U.S.C § 2381, states that a person guilty of treason against the United States “shall suffer death, or shall be imprisoned not less than five years and fined under this title but not less than $10,000; and shall be incapable of holding any office under the United States.”
[Last reviewed in April of 2025 by the Wex Definitions Team]
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§ 3-603. TENDER OF PAYMENT.
PAYMENT. Up § 3-604.DISCHARGEBY CANCELLATION OR RENUNCIATION. ›
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§ 9-210. REQUEST FOR ACCOUNTING; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.