---
title: "Check whether a buyer of goods takes free of a security interest"
url: "https://ailawframework.com/practice/banking-and-finance/check-whether-a-buyer-takes-personal-property-free-of-a-security-interes/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A3-OC20261022-9-US"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Check whether a buyer of goods takes free of a security interest

> The tool lists whether the buyer is a buyer in ordinary course, whether the goods are farm products bought from a person engaged in farming operations, the buyer's knowledge, value, and personal, family, or household…

Canonical page: https://ailawframework.com/practice/banking-and-finance/check-whether-a-buyer-takes-personal-property-free-of-a-security-interes/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Banking & Finance (Lending, Securities, Project Finance)](https://ailawframework.com/practice/banking-and-finance.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | The tool lists whether the buyer is a buyer in ordinary course, whether the goods are farm products bought from a person engaged in farming operations, the buyer's knowledge, value, and personal, family, or household use, and whether a financing statement was filed or the interest was perfected before delivery. It does not say the buyer takes free. |
| What the lawyer must review | UCC Sections 9-320 and 9-317. Except as subsection (e) provides, Section 9-320(a) provides that a buyer in ordinary course of business, other than a person buying farm products from a person engaged in farming operations, takes free of a security interest created by the buyer's seller, even if the interest is perfected and the buyer knows of its existence. Subsection (b) provides that a buyer of goods from a person who used or bought the goods primarily for personal, family, or household purposes takes free of a security interest, even if perfected, if the buyer buys without knowledge of the interest, for value, primarily for the buyer's personal, family, or household purposes, and before the filing of a financing statement covering the goods. Subsections (a) and (b) do not affect a security interest in goods in the possession of the secured party under Section 9-313. Section 9-317(b), except as subsection (e) provides, provides that a buyer of tangible chattel paper, documents, goods, instruments, or a certificated security takes free of a security interest if the buyer gives value and receives delivery without knowledge of the interest and before it is perfected. The lawyer decides which rule, if any, applies. |
| Written for | United States |
| Applies to | [Check whether a buyer takes personal property free of a security interest](https://ailawframework.com/practice/banking-and-finance/check-whether-a-buyer-takes-personal-property-free-of-a-security-interes.md) |

## Checking plan

- What the AI does: The tool lists whether the buyer is a buyer in ordinary course, whether the goods are farm products bought from a person engaged in farming operations, the buyer's knowledge, value, and personal, family, or household use, and whether a financing statement was filed or the interest was perfected before delivery. It does not say the buyer takes free.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Article 9 in the sources is the uniform text. The lawyer reads the enacting state's current text before reliance. Section 9-313 was not opened beyond the cross-reference in Section 9-320(e).
- Section 9-320(a) reaches a security interest created by the buyer's seller. The tool keeps that limit.
- Section 9-317(e) is a separate purchase-money priority over rights arising between attachment and filing. The tool does not fold it into Section 9-320.

## Sources

- [UCC § 9-320, Buyer of goods](https://www.law.cornell.edu/ucc/9/9-320) (checked 2026-10-22)
- [UCC § 9-317, Interests that take priority over or take free of a security interest](https://www.law.cornell.edu/ucc/9/9-317) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*