---
title: "Check a notification before disposition of collateral"
url: "https://ailawframework.com/practice/banking-and-finance/prepare-the-notice-before-disposing-of-collateral/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A3-OC20261022-13-US"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Check a notification before disposition of collateral

> The tool checks a draft against the description of the debtor and the secured party, the collateral, the method of disposition, the statement that the debtor is entitled to an accounting and any charge, and the time…

Canonical page: https://ailawframework.com/practice/banking-and-finance/prepare-the-notice-before-disposing-of-collateral/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 checks a draft against the description of the debtor and the secured party, the collateral, the method of disposition, the statement that the debtor is entitled to an accounting and any charge, and the time and place of a public disposition or the time after which any other disposition is to be made. It lists the debtor, any secondary obligor, and the other persons in Section 9-611 for collateral other than consumer goods, and it calculates the day ten days before the earliest disposition time stated in the draft. It does not write or send the notification. |
| What the lawyer must review | UCC Sections 9-611, 9-612, and 9-613. Section 9-611 requires an authenticated notification of disposition to the debtor and any secondary obligor and, if the collateral is other than consumer goods, to any person from whom the secured party received, before the notification date, an authenticated notification of a claim of an interest in the collateral, and to any other secured party or lienholder that, 10 days before the notification date, held a security interest or lien perfected by a financing statement that identified the collateral, was indexed under the debtor's name as of that date, and was filed in the proper office. The same subsection also reaches a secured party whose interest was perfected by compliance with a statute, regulation, or treaty described in Section 9-311(a). Section 9-612(a) makes reasonable time a question of fact except as subsection (b) provides. In a transaction other than a consumer transaction, a notification of disposition sent after default and 10 days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time. Section 9-613, except in a consumer-goods transaction, treats the contents as sufficient if the notification describes the debtor and the secured party, describes the collateral, states the method of intended disposition, states that the debtor is entitled to an accounting of the unpaid indebtedness and states the charge, if any, and states the time and place of a public disposition or the time after which any other disposition is to be made. Contents that provide substantially that information are sufficient even with extra information or minor errors that are not seriously misleading. A particular phrasing is not required. The lawyer writes any notification that is sent. |
| Written for | United States |
| Applies to | [Prepare the notice before disposing of collateral](https://ailawframework.com/practice/banking-and-finance/prepare-the-notice-before-disposing-of-collateral.md) |

## Checking plan

- What the AI does: The tool checks a draft against the description of the debtor and the secured party, the collateral, the method of disposition, the statement that the debtor is entitled to an accounting and any charge, and the time and place of a public disposition or the time after which any other disposition is to be made. It lists the debtor, any secondary obligor, and the other persons in Section 9-611 for collateral other than consumer goods, and it calculates the day ten days before the earliest disposition time stated in the draft. It does not write or send the notification.
- 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 9-614, the consumer-goods notification, was not opened. Section 9-311(a) was not opened beyond the cross-reference.
- The 10-day period in Section 9-612(b) is a safe harbor for a transaction other than a consumer transaction. Whether a shorter time is reasonable stays a question of fact.
- The lawyer writes and sends any notification. The tool checks a draft against the opened sufficiency list.

## Sources

- [UCC § 9-611, Notification before disposition of collateral](https://www.law.cornell.edu/ucc/9/9-611) (checked 2026-10-22)
- [UCC § 9-612, Timeliness of notification before disposition of collateral](https://www.law.cornell.edu/ucc/9/9-612) (checked 2026-10-22)
- [UCC § 9-613, Contents and form of notification before disposition of collateral: general](https://www.law.cornell.edu/ucc/9/9-613) (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.*