How To Do A Texas UCC Search

Last Updated on January 9, 2022

What is a UCC?

A UCC, or Uniform Commercial Code, is a legal document that allows a creditor to notify other creditors about a debtor’s assets used as collateral for a secured transaction by filing a public notice with a particular filing office.

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 Texas UCC search show?

A Texas UCC lien, which is a public record, shows 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 do a Texas business entity search

Why is a UCC needed?

A UCC provides 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 Texas?

Most UCC filings are done with the Texas Secretary of State’s office, however, real property filings are filed with the County Clerk, in the county where the real estate is located

How much does a UCC search cost in Texas?

To search the UCC database, there is a $1 per record search.

How to do a UCC search in Texas

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

Step 2 – Click on Business Services at the top of the page and then Uniform Commercial Code in the drop down menu.

Step 3 – Click on UCC Forms on the left side of the page.

Step 4 – Click on SOSDirect highlighted in blue in the second paragraph.

Step 5 – Click Enter Site

Step 6 – Fill in the appropriate information and click Search