---
title: "Build a checklist for notice before an Article 9 disposition"
url: "https://ailawframework.com/practice/banking-and-finance/prepare-the-default-notice-before-enforcing-a-loan-or-mortgage/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A3-T20261018-37-US"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Build a checklist for notice before an Article 9 disposition

> List who must receive an authenticated notice of disposition, and which search the file contains. Do not write the notice.

Canonical page: https://ailawframework.com/practice/banking-and-finance/prepare-the-default-notice-before-enforcing-a-loan-or-mortgage/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 | List who must receive an authenticated notice of disposition, and which search the file contains. Do not write the notice. |
| What the lawyer must review | Before disposition under U.C.C. § 9-610, § 9-611(b) requires a reasonable authenticated notification to the persons in subsection (c), unless subsection (d) applies. Those persons are the debtor and any secondary obligor. If the collateral is not consumer goods, they also include a person who sent an authenticated claim before the notification date, and other secured parties or lienholders who, 10 days before that date, held an interest perfected by a financing statement indexed under the debtor's name in the proper office, or perfected under a statute described in § 9-311(a). The 10 days is a lookback for those other parties. It is not a minimum period of notice to the debtor. Subsection (d) removes the notice duty for collateral that is perishable, threatens to decline speedily in value, or is of a type customarily sold on a recognised market. You write the notice. Article 9 notice is not a mortgage default notice. |
| Written for | United States |
| Applies to | [Prepare the default notice before enforcing a loan or mortgage](https://ailawframework.com/practice/banking-and-finance/prepare-the-default-notice-before-enforcing-a-loan-or-mortgage.md) |

## Checking plan

- What the AI does: List who must receive an authenticated notice of disposition, and which search the file contains. Do not write the notice.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Open the consumer-goods form of notice. It is in a later section and was not used here.
- A search safe harbour in § 9-611(e) has its own 20-day and 30-day window. Read it before you rely on a search.

## Sources

- [U.C.C. § 9-611, Notification before disposition of collateral](https://www.law.cornell.edu/ucc/9/9-611) (checked 2026-10-22)
- [U.C.C. § 9-610, Disposition of collateral after default](https://www.law.cornell.edu/ucc/9/9-610) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Small business default notice checklist](https://ailawframework.com/precedents/banking-and-finance/small-business-default-notice-checklist.md) | Notice | Red | Checklist and notice shell for a small business loan under the 2025 Banking Code, before a demand for full repayment or other default action. The officer settles every sentence that is sent. |

Signed-in accounts can read the full text of each one.

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