One click, two clicks or maybe three clicks. That’s how close you are to accessing Uniform Commercial Code (UCC) search, index and documents. Vital to the financial and legal communities, UCCs are accessed thousands of times a day by people trying to gain insight into the financial well-being of individuals and businesses alike.
UCCs are lien notice filings that are an essential component of financial/security agreements between parties (debtor and secured party). Once filed, UCCs are public records that may be searched by interested individuals. A UCC indicates that there is an underlying security agreement between the parties listed on the UCC.
Secured transactions occur when parties, whether individuals and/or business organizations, enter into an agreement that provides for a security interest. This is known as a “security agreement.” The secured party accepts as security an interest in the stated collateral.
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