---
title: "UCC Article 9 attachment and perfection checklist"
url: "https://ailawframework.com/precedents/banking-and-finance/us-ucc-perfection-checklist"
type: "precedent"
site: "AI Law Framework"
id: "a3-us-ucc-perfection-checklist"
area_id: "A3"
kind: "checklist"
ai_level: "yellow"
version: 1
task_ids: ["A3-T1-R2", "A3-A20260923-3", "A3-B7-4"]
law_stated_as_at: "2026-10-22"
---

# UCC Article 9 attachment and perfection checklist

> Checklist of attachment and filing questions drawn from the uniform text of UCC §§ 9-203 and 9-310. It does not complete a financing statement.

Canonical page: https://ailawframework.com/precedents/banking-and-finance/us-ucc-perfection-checklist  
Law stated as at: 2026-10-22

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

## Key facts

- Kind: Checklist. Steps or checks to work through and tick off.
- Practice area: [Banking & Finance](https://ailawframework.com/precedents/banking-and-finance.md)
- Jurisdictions: United States
- AI level: Yellow. You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at: 2026-10-22
- Status: Maintained. Checked on 2026-10-22 against the 2 authorities it cites, for United States.

## When to use it

Use when a commercial security package needs a question list on attachment and on whether a financing statement must be filed. Do not use it as the financing statement or as a filing instruction for a named office.

## Used for these tasks

- [Draft the security package: general security, mortgages and share pledges](https://ailawframework.com/practice/banking-and-finance/draft-the-security-package-general-security-mortgages-and-share-pledges.md)
- [Reconcile the security schedule to title and register searches](https://ailawframework.com/practice/banking-and-finance/reconcile-the-security-schedule-to-title-and-register-searches.md)
- [Draft a PPSR registration and search summary](https://ailawframework.com/practice/banking-and-finance/draft-a-ppsr-registration-and-search-summary.md)

## How AI may be used

Yellow: the lawyer applies the enacted text of the governing state and decides what, if anything, is filed.

**AI may:**

- List the collateral and ask the § 9-203(b) questions against the draft security agreement.
- Record that § 9-310(a) requires filing except where subsection (b) or § 9-312(b) says otherwise.
- Flag deposit accounts, electronic chattel paper, investment property and letter-of-credit rights for a control reading.

**AI must not:**

- Do not complete, sign or file a financing statement.
- Do not state that filing is unnecessary. The exceptions in § 9-310(b) were not copied.
- Do not describe how control is taken under §§ 9-104, 9-105, 9-106 or 9-107.
- Do not say who is allowed to file. Section 9-509 was not read into this checklist.

**The lawyer checks:**

- Apply the enacted Article 9 of [STATE], not only the uniform text on Cornell.
- Read §§ 9-203(c) through (i) before relying on subsection (b).
- Read § 9-310(b) and § 9-312(b) before treating any interest as perfected without filing.
- Read § 9-509 before any financing statement is authorised or filed.

## Authorities

- [UCC § 9-203 (uniform text, Cornell)](https://www.law.cornell.edu/ucc/9/9-203)
- [UCC § 9-310 (uniform text, Cornell)](https://www.law.cornell.edu/ucc/9/9-310)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/banking-and-finance/us-ucc-perfection-checklist and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

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