Last Updated on January 8, 2022
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What is a UCC?
A UCC or Uniform Commercial Code is a filing that creates a lien against the property so the borrower may not dispose of the asset without paying off the debt or acquire another debt without notifying the lender about his intentions.
For instance, when an individual obtains a mortgage for a home, the lender uses the borrower’s personal property as collateral to secure property. With the UCC Financing Statement is filed, the homeowner can’t take out another loan on the home without first paying off the initial loan.
What information does a New York UCC search show?
A UCC filing will show the file number, file date, lapse date, filing type, debtor name and address, secured party name, and address.
Also see: How to do a New York business entity search
Why is a UCC needed?
A UCC lien is needed in order to protect a secured party’s security interest in the collateral offered by a debtor for a loan
Where is a UCC filed in New York?
Most UCC filings are done with the New York State Department of State, however real property filings are filed in the County Clerk’s Office, in the county where the real estate is located
How much does a UCC search cost in New York?
An unofficial search is free. It is $25 per debtor name for an official search.
How to do a UCC search in New York
Step 1 – Go to the New York State Department of State official website
Step 2 – Click on Licensing and Business and then Uniform Commercial Code in the drop down menu.

Step 3 – Scroll down to the bottom of the page and under UCC / Lien Search choose the type of search you want to conduct.

Step 4 – On the left side of the page, again, choose the type of search you want to conduct.
