How to do a Michigan UCC search

Last Updated on January 8, 2022

What is a UCC?

A UCC, which is short for Uniform Commercial Code, is a legal document is registered by a lender when a loan is taken out against a single asset or a group of assets.

For instance, when an individual obtains a mortgage for real estate, the lender uses the borrower’s personal property as collateral to secure property. With the UCC-1 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 Michigan UCC search show?

The UCC search will show the UCC file number, lien type, debtor name, filing date, lapse date, filing status.

Also see: How to search for a business entity in Michigan

Why is a UCC needed?

A UCC is used to create a security interest against the collateral a borrower pledges for a loan.

Where is a UCC filed in Michigan?

UCC liens are filed online with the Michigan Secretary of State’s office.

How much does a UCC search cost in Michigan?

A quick search is free and allows for verification of debtor names and variations. It is $6 per debtor name for an official standard search. $25 per debtor name for an official expedited search

How to do a UCC search in Michigan

Step 1 – Go to the Michigan Secretary of State’s office.

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

Step 3 – Click on Free Debtor Name Quick Search to carry out a free, quick search or click on Michigan Search Request Form at the bottom of the page to request an official search.