What is a UCC?

A UCC, which is short for Uniform Commercial Code, is a document that a lender files with the government when they have secured a loan or financing using assets used by a borrower to secure the loan.

The UCC filing is commonly used when an individual obtains a mortgage for real estate. The real estate is the collateral pledged for the property. With the UCC-1 filed, the homeowner can’t take out another loan on the home without first paying off the initial loan.

What information does a UCC search show?

The UCC search with the Kansas Secretary of State does not show liens on real estate. Those are recorded at the county Register of Deeds office and must be viewed there.

The Secretary of State UCC search will show the debtor and creditor name, address, UCC file number, type of document filed, date filed.

Why is a UCC needed?

To inform debtors and creditors of outstanding security interests in personal property.

Where is a UCC filed in Kansas?

Online or in person with the Secretary of State’s office.

How much does a UCC search cost in Kanas?

Both an official and unofficial debtor search costs $10 per debtor name. An official debtor search by paper has a $20 fee.

How to do a UCC search in Kansas

Step 1 – Go to the Kansas Secretary of State’s website

Step 2 – Click on Business Services and then UCC FAQ

Step 3 – Scroll down to the middle of the page under UCC Debtor Search Requests. Under the first question click on the word “here” to create an account and conduct a search.

How do I find out who owns a business in Kansas?

The Kansas Secretary of State has a business entity database search for Kansas-based businesses.