What is a UCC?

A UCC, or Uniform Commercial Code, is a legal document filed by a lender with the secretary of state or equivalent agency to register a security interest against an asset.

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 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 Utah UCC search show?

UCC records show the document number, filing date and time, lapse date, filing type, debtor name and address, name and address of the secured party.

Also see: How to do a Utah business entity search

Why is a UCC needed?

UCC liens are used to ensure that the collateral used to secure a loan will be available to the creditor and not used for other loans.

Where is a UCC filed in Utah?

Most UCC filings are done with the Utah Department of Commerce, however, real estate filings are filed in the County Recorder’s Office, in the county where the real estate is located

How much does a UCC search cost in Utah?

There is no cost to use the Utah UCC database to search records.

How to do a UCC search in Utah

Step 1 – Go to the Utah Department of Commerce’s website

Step 2 – Click on the three lines in the top right corner of the page to open a menu. Then in the menu click Divisions and then Division of Corporations.

Step 3 – Scroll down and click File or Search UCC or CFS.

Step 4 – Select Click to Log on with Utah-ID to log in to your existing account or to create a new account.