---
title: "Draft the collateral description in a security agreement"
url: "https://ailawframework.com/practice/commercial-and-corporate-advisory/draft-the-collateral-description-in-a-general-security-agreement-and-che/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A1-B15-2-US"
practice_area: "Commercial & Corporate Advisory (contracts, company law, governance)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Draft the collateral description in a security agreement

> Draft a collateral description from the assets the lawyer identifies, using a specific list or a category, and flag any phrase such as all assets or all personal property.

Canonical page: https://ailawframework.com/practice/commercial-and-corporate-advisory/draft-the-collateral-description-in-a-general-security-agreement-and-che/united-states  
Last reviewed: 2026-10-22

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

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Commercial & Corporate Advisory (contracts, company law, governance)](https://ailawframework.com/practice/commercial-and-corporate-advisory.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Draft a collateral description from the assets the lawyer identifies, using a specific list or a category, and flag any phrase such as all assets or all personal property. |
| What the lawyer must review | Uniform Commercial Code § 9-108: a description of personal or real property is sufficient, whether or not it is specific, if it reasonably identifies what is described. The section's examples include a specific listing, a category, a type of collateral defined in the Code (subject to the exceptions in the section), quantity, and a computational or allocational formula. A description of collateral as all the debtor's assets or all the debtor's personal property, or words of similar import, does not reasonably identify the collateral. The text that governs is the enactment in the state whose law applies. You check the description against that enactment before it is attached. This is the security agreement. It is not the financing statement. |
| Written for | United States |
| Applies to | [Draft the collateral description in a general security agreement and check it against the Personal Property Securities Act 2009](https://ailawframework.com/practice/commercial-and-corporate-advisory/draft-the-collateral-description-in-a-general-security-agreement-and-che.md) |

## Checking plan

- What the AI does: Draft a collateral description from the assets the lawyer identifies, using a specific list or a category, and flag any phrase such as all assets or all personal property.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The official text is each state's enactment. A uniform-text citation is not that enactment.
- A supergeneric all-assets phrase fails § 9-108(c). Do not leave one in the security agreement.

## Sources

- [Uniform Commercial Code § 9-108, Sufficiency of description](https://www.law.cornell.edu/ucc/9/9-108) (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)

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