Last Updated on January 9, 2022
What is a UCC?
A UCC, or Uniform Commercial Code, is a legal document that a creditor files to give notice that it has or might have an interest in the personal or business assets of a debtor.
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 filed, the homeowner can’t take out another loan on the home without first paying off the initial loan.
What information does a Tennessee UCC search show?
A UCC lien record will show the document number, file date, lapse date, document type, name and address of the debtor, name and address of the secured party.
Why is a UCC needed?
A UCC filing is important as a creditor can legally prove their security interest in any collateral or assets a debtor is using to secure a loan.
Where is a UCC filed in Tennessee?
Most UCC transactions are recorded with the Tennessee Secretary of State’s office, however, real property UCC fixture filings are filed in the Deeds Office of the County Clerk, in the county where the real estate is located
How much does a UCC search cost in Tennessee?
There is no cost to search Tennessee UCC records.
How to do a UCC search in Tennessee
Step 1 – Go to the Tennessee Secretary of State’s website
Step 2 – Click on Businesses at the top of the page.
Step 3 – Scroll down a bit and click on File and Search UCCs.
Step 4 – Click on UCC Database Search.
Step 5 – Fill in the appropriate information, check off the box I’m not a robot, and click Search.