Last Updated on February 2, 2022

What is a UCC?

A Uniform Commercial Code, or UCC, is a legal document that a creditor files to give notice that it has or might have an interest in the personal or business property of a debtor.

More specifically, a UCC Financing Statement gives lenders a claim on assets a debtor pledges as security interest, such as when an individual obtains a mortgage for a home. The home 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 Pennsylvania UCC search show?

The UCC search will show the financial statement number, filing date, lapse date, display name, filing type, name and address of the debtor, name and address of the secured party.

Also see: How to start an LLC in Pennsylvania

Why is a UCC needed?

UCC filings are needed in order to give public notice that an entity, lender, or creditor such as a financial institution has a security interest in the collateral or real property being used by the debtor.

Where is a UCC filed in Pennsylvania?

Most UCC filings are recorded with the Pennsylvania Department of State, however, real estate filings are filed in the County Recorder of Deeds office, in the county where the real estate is located

How much does a UCC search cost in Pennsylvania?

A Pennsylvania UCC search is provided as a free service.

How to do a UCC search in Pennsylvania

Step 1 – Go to the Pennsylvania Department of State’s website

Step 2 – Click on Business and Charities and then click on Business in the drop down menu.

Step 3 – Scroll down a bit and click on UCC on the right side of the page under Links.

Step 4 – Click on UCC Name Search under Links on the right side of the page.

Step 5 – Click on Search UCC Transactions at the top of the page. Then fill in the appropriate information and click Search.