DEPARTMENT OF STATE  
OFFICE OF CUSTOMER SERVICES  
UNIFORM COMMERCIAL CODE FILING OFFICE  
(By authority conferred on the department of state by section 9526 of 2000 PA 348,  
MCL 440.9526)  
PART 1. GENERAL PROVISIONS  
R 440.101 Duties and responsibilities of filing officer.  
Rule 101. The duties and responsibilities of the filing officer with respect to the  
administration of the UCC are ministerial. In accepting for filing or refusing to file a  
financing statement pursuant to these  
following:  
rules, the filing officer does none of the  
(a) Determine the legal sufficiency or insufficiency of a record.  
(b) Determine that a security interest in collateral exists or does not exist.  
(c) Determine that information in the record is correct or incorrect, in whole or  
in part.  
(d) Create a presumption that information in the record is correct or incorrect,  
in whole or in part.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.102 Definitions.  
Rule 102. (1) As used in these rules:  
(a) "Amendment" has the meaning given it in  
UCC  
section  
9512.Amendments include assignments, continuations, and terminations.  
(b) "Assignment" is an amendment that purports to reflect an assignment of all or  
a part of a secured party's power to authorize an amendment to a financing statement.  
(c) "Correction statement" means a record that indicates, under UCC section  
9518, that a financing statement is inaccurate or wrongfully filed.  
(d) "File number" means the unique identification number assigned to an initial  
financing statement by the filing officer for the purpose of identifying the initial  
financing statement and permanently associating the initial financing statement with all  
financing statements related to it in the UCC information management system. The  
filing number bears no relation to the time of filing and is not an indicator of priority.  
(e) "Filing office" and "filing officer" mean the UCC section of the office of  
secretary of state or its successor.  
(f) "Individual" means a human being, or a decedent in the case of a debtor that  
is the decedent's estate.  
(g) "Initial financing statement" means a financing statement containing the  
information required by UCC section 9502, which, when filed, creates the initial  
record in the UCC information management system.  
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(h) "Remitter" means a person who tenders a financing statement to the filing  
officer for filing, whether the person is a filer or an agent of a filer responsible for  
tendering the record for filing. "Remitter" does not include a person responsible  
merely for the delivery of the financing statement to the filing office, such as the  
postal service or a courier service, but does include a service provider who acts as  
a filer's representative in the filing process.  
(i) "Request for expediting" means a search request to provide a search report  
on the day of the inquiry.  
(j) "UCC" means the uniform commercial code as adopted in this state and in  
effect from time to time.  
(k) "UCC information management system"  
means  
the  
information  
management system used by the filing officer to store, index, and retrieve information  
relating to financing statements.  
(l) "Unique identification number" or "identification number" means a number  
that includes the year of filing expressed as the first 4 digits of a unique number assigned  
to the financing statement by the filing office and a 1?digit verification number, to be  
referred to as a check digit, assigned  
by the filing office, but mathematically derived from other numbers in the unique  
number.  
(2) A word or term defined in the UCC has the same meaning when used in these  
rules.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.103 Financing statement delivery.  
Rule 103. Financing statements may be tendered for filing at the filing office  
as follows:  
(a) By personal delivery at the filing office's street address.  
(b) By courier delivery at the filing office's street address.  
(c) By postal service delivery to the filing office's mailing address.  
(d) When made available by the filing office, by electronic transmission to the  
filing office in a manner prescribed by the filing officer using a standard approved  
by the international association of corporation administrators and adopted by the filing  
officer.  
(e) By telefacsimile delivery to the filing office's  
number.  
fax  
filing telephone  
(f) When made available by the filing office, by direct on-line or web page data  
entry transmission to the filing office in a manner prescribed by  
the filing officer.  
(g) By e-mail delivery to the filing office's e-mail address.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.104 Search request delivery.  
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Rule 104. (1) UCC search requests may be delivered to the filing office by any of  
the means by which financing statements may be delivered to the filing office. A  
request for expediting may also be delivered by telephone.  
(2) UCC search requests upon a debtor named on an initial financing statement  
may be made by an appropriate indication on the face of the initial financing statement  
form if the form is entitled to be filed. The filing office may require that the relevant  
search fee be tendered with the initial financing statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.105 Approved forms.  
Rule 105. (1) The following forms are approved for filing  
financing statement or a written financing statement amendment:  
a
written initial  
(a) An initial financing statement form as prescribed in UCC section 9521(1).  
(b) A financing statement amendment form as prescribed in UCC section  
9521(2).  
(c) An initial financing statement form or financing statement amendment form  
approved by the international association of corporate administrators after July 1, 2001.  
(d) An initial financing statement form or financing statement amendment form  
approved by the national conference of commissioners on uniform state laws after July  
1, 2001.  
(e) An initial financing statement form or financing statement amendment form  
approved by the filing officer after July 1, 2001.  
(f) If and when operational as determined by the filing officer,  
financing statement or financing statement amendment transmitted  
electronically as prescribed by the filing officer.  
(2) The additional filing fee provided in UCC section 9525(1)(a) shall not apply  
to a written initial financing statement or written financing statement  
amendment specified in subrule (1)(a) or (b) of this rule.  
an initial  
a
(3) The additional filing fee provided in UCC section 9525(1)(a) shall apply to  
an initial financing statement or a financing statement amendment not specified  
in subrule (1)(a) or (b) of this rule.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.106 Methods of payment.  
Rule 106. Filing fees and fees for public records services may be paid by the  
following methods:  
(a) Cash.  
(b) A check made payable to "State of Michigan," including checks in an  
amount to be filled in by a filing officer, but not to exceed a particular amount,  
will be accepted for payment if it is a cashier's check or certified check drawn on a bank  
acceptable to the filing office or if the drawer is acceptable to the filing office.  
(c) Billing account.  
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(d) The filing office will accept payment via electronic funds transfer under  
national automated clearing house association ("NACHA") rules from remitters who  
have entered into appropriate NACHA-approved arrangements for such transfers  
and who authorize the relevant transfer pursuant to such arrangements and rules.  
(e) If and when operational as determined by the filing officer, the filing office  
may accept a credit card issued by approved credit card issuers, in place of cash or a  
check, as payment for filing fees and fees for public records services. Remitters shall  
provide the filing officer with the card number, the expiration date of the card, the  
name of the approved card issuer, the name of the person or entity to whom the card  
was issued and the billing address for the card. Payment will not be deemed tendered  
until the issuer or its agent has confirmed to the filing office that payment will be  
forthcoming.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.107 New practices and technologies.  
Rule 107. The filing officer is authorized to adopt practices and procedures to  
accomplish receipt, processing, maintenance, retrieval, and transmission of, and remote  
access to, article 9 filing data by means of electronic, voice, optical, and other  
technologies, and, without limiting the foregoing, to maintain and operate, in addition  
to or in place of a paper-based system, a non-paper-based article 9 filing system  
utilizing any available technology.  
In developing and utilizing technologies and practices, the filing officer shall, to the  
greatest extent feasible, take into account compatibility and consistency with, and  
whenever possible uniformity with, technologies, practices, policies, and rules adopted  
in connection with article 9 filing systems in other states.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
PART 2. ACCEPTANCE AND REFUSAL OF DOCUMENTS  
R 440.201 Duty to file.  
Rule 201. If there is no ground to refuse acceptance of the document under R  
440.202, then a financing statement is filed upon its receipt by the filing officer with  
the filing fee and the filing officer  
shall  
promptly assign a file number or  
identification number to the financing statement and index it in the information  
management system.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.202 Grounds for refusal.  
Rule 202. (1) The following grounds are the sole grounds  
officer's refusal to accept a financing statement for filing:  
for  
the filing  
Page 4  
(a) Except as provided in paragraph (v) of this subdivision, a financing  
statement that adds 1 or more debtors shall be refused if any of the following  
circumstances exist:  
(i) The document is an initial financing statement and fails to include any of the  
following information:  
(A) A legible debtor name.  
(B) A legible debtor address.  
(C) The identification of each named debtor as an individual or an  
organization.  
(ii) The document is an amendment and fails to include any of the following  
information:  
(A) A legible debtor name for the debtor being added.  
(B) A legible address for the debtor being added.  
(C) The identification of each named debtor as an individual or an  
organization.  
(iii) The last name of each individual debtor is not identified.  
(iv) For each debtor identified as an organization, the document fails to include  
any of the following in legible form:  
(A) The organization type.  
(B) The state of organization.  
(C) The organization number, or a statement that the debtor does not have an  
organization number.  
(v) If the document contains more than 1 debtor name or address and some  
names or addresses are missing or illegible, the filing officer shall index the legible  
name and address pairings, and provide a notice to the remitter containing the file  
number or identification number of the document, identification of the debtor names  
that were indexed, and a statement that debtors with illegible or missing names or  
addresses were not indexed.  
(b) Except as provided in paragraph (iv) of this subdivision, a financing  
statement adding 1 or more secured parties of record or assignees shall be refused if any  
of the following exist:  
(i) The document is an initial financing statement and fails to include either  
of the following in legible form:  
(A) Secured party name.  
(B) Secured party address.  
(ii) The document is an amendment and fails to include either  
following in legible form:  
of the  
(A) A name for the secured party being added.  
(B) An address for the secured party being added.  
(iii) The document is an assignment and fails to include either of the following  
in legible form:  
(A) A name for the assignee.  
(B) An address for the assignee.  
(iv) If the document contains more than 1 secured party, or assignee, name or  
address and some names or addresses are missing or illegible, the filing officer shall  
index the legible name and address pairings, and provide a notice to the remitter  
Page 5  
containing the file number or identification number of the document, identification  
of the secured party, or assignee names that were indexed, and a statement that  
secured  
parties and assignees with illegible or missing names or addresses were  
not indexed.  
(c) A financing statement other than an initial financing statement shall be refused  
if the document does not provide a file number of a financing statement in the  
UCC information management system that has not lapsed, or, until June 30, 2006, a  
number associated with a UCC financing statement filed in this state before June 30,  
2001, that has not lapsed.  
(d) A continuation shall be refused if it is not received during the 6-month  
period concluding on the day upon which the related financing statement would  
lapse. Both of the following apply to filing a continuation:  
(i) The first day on which a continuation may be filed is the date of the month  
corresponding to the date upon which the financing statement would lapse, 6 months  
preceding the month in which the financing statement would lapse. If there is no such  
corresponding date during the sixth month preceding the month in which the financing  
statement would lapse, then the first day on which a continuation may be filed is the  
last day of the sixth month preceding the month in which the financing statement  
would lapse, although filing by certain means may not be possible on such date if the  
filing office is not open on such date.  
(ii) The last day on which a continuation may be filed is the date upon which the  
financing statement lapses.  
(e) A financing statement shall be refused if the document is accompanied by less  
than the full filing fee tendered by a method described in R 440.106.  
(f) Financing statements communicated to the filing office by  
a
means of  
communication not authorized by the filing officer for the communication of financing  
statements shall be refused.  
(2) As used in this rule, the term "legible" is not limited to refer only to written  
expressions on paper. It requires  
a
machine-readable transmission for electronic  
transmissions and an otherwise readily decipherable transmission in other cases.  
(3) A financing statement that does not identify itself as an amendment or identify  
an initial financing statement to which it relates, as  
440.9514, or 440.9518, is an initial financing statement.  
required by MCL 440.9512,  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.203 Grounds not warranting refusal.  
Rule 203. (1) The sole grounds for the filing officer's refusal to accept a financing  
statement for filing are enumerated in R 440.202.  
(2) The following are examples of defects that do not constitute grounds for  
refusal to accept a document:  
(a) The financing statement contains or appears to contain a misspelling or other  
apparently erroneous information.  
(b) The financing statement appears to identify a debtor incorrectly.  
Page 6  
(c) The financing statement appears to identify a secured party or a secured  
party of record incorrectly.  
(d) The financing statement contains additional or extraneous information of any  
kind.  
(e) The financing statement contains less than the information required by article  
9 of the UCC, provided that the document contains the information required in R  
440.202.  
(f) The financing statement incorrectly identifies collateral, or contains an illegible  
or unintelligible description of collateral, or does not appear to contain a description of  
collateral.  
(g) The document is accompanied by funds in excess of the full filing fee.  
(3) The examples enumerated in subrule (2) of this rule are not a  
comprehensive enumeration of defects outside the scope of permitted grounds for  
refusal to accept a financing statement for filing.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.204 Procedure upon refusal.  
Rule 204. If the filing officer finds grounds under  
R
440.202  
to refuse  
acceptance of a financing statement, then the filing officer shall return the document, if  
written, to the remitter and shall refund the filing fee upon request. The filing officer  
shall send a notice that contains the date and time the document would have been filed  
had it been  
accepted for filing, unless the date and time are stamped on the  
document, and a brief description of the reason for refusal to accept the document  
under R 440.202. The notice shall be sent to a secured party or the remitter, as  
provided in R 440.402(2)(b), not later than the second business day after the filing  
office receives the document. The refund may be delivered with the notice or under  
separate cover.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.205 Acknowledgment.  
Rule 205. Upon the request of a filer or remitter who  
files  
a written  
financing statement, the filing officer shall send to the filer or remitter an image of the  
record of the financing statement showing the file number or identification number  
assigned to it and the date and time of filing. For a financing statement not filed in  
written form, the filing officer shall communicate to the filer or remitter the  
information in the filed document, the file number or identification number, and the  
date and time of filing.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.206 Responsibility for legal effectiveness.  
Page 7  
Rule 206. The responsibility for the legal effectiveness of filing rests with filers  
and remitters and the filing office bears no responsibility for legal effectiveness.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.207 Refusal errors.  
Rule 207. If a secured party or a remitter demonstrates to the satisfaction of  
the filing officer that a financing statement that was refused for filing should not  
have been refused under R 440.202, then the filing officer shall file the financing  
statement as provided in these rules, reflecting a filing date and time when filing  
should have occurred. The filing officer shall also file a filing officer statement that  
states that the effective date and time of filing is the date and time the financing  
statement was originally tendered for filing, and sets forth the date and time. The  
demonstration of error shall constitute the secured party's  
authorization to file the filing officer's correction statement.  
or  
remitter's  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
PART 3. UCC INFORMATION MANAGEMENT SYSTEM  
R 440.301 Primary data elements.  
Rule 301. (1) The primary data elements used in the UCC information  
management system are the following:  
(a) Identification number, as follows:  
(i) Each initial financing statement is identified by its file number as described in  
R 440.102(1)(d).  
(ii) A financing statement other than an initial financing statement is identified  
by a unique identification number assigned by the filing officer.  
(b) Type of financing statement.  
(c) Filing date and time of financing statements.  
(d) The names and addresses of debtors and secured parties.  
(e) Status of each financing statement as active or inactive.  
(f) The total number of pages in a financing statement.  
(g) A lapse indicator that identifies when a financing statement will lapse.  
The lapse date of an initial financing statement is determined as provided in R  
440.404 based upon its filing date.  
(2) A record is created and maintained in the UCC information management system  
for each initial financing statement.  
(3) A record is created and maintained in the UCC information management  
system for each financing statement other than an initial  
financing statement and is linked to the record of its related initial  
financing statement.  
(4) The records created and maintained in the UCC information management  
system for each initial financing statement and all financing statements relating to it  
are permanently associated with one another.  
Page 8  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.302 Names of individuals.  
Rule 302. The following provisions apply to the name of an individual who, or  
whose estate, is a debtor or a secured party on a financing statement:  
(a) Separate data entry fields are established for first, middle, and last names of  
individuals. The filing officer assumes no responsibility for the accurate designation of  
the components of a name, but will accurately enter the data in accordance with the  
filer's designations, as required by R 440.407(2)(b).  
(b) Titles and prefixes, such as "doctor," "reverend," "Mr.," and  
"Ms.," should not be provided by filers in financing statements.  
However, as provided in R 440.407, when a financing statement is submitted  
with designated name fields, the data shall be entered in the UCC information  
management system exactly as it appears.  
(c) Titles and suffixes, or indications of status such as "M.D." and "esquire"  
are not part of an individual's name and should not be provided by filers in financing  
statements. However, as provided in R 440.407, when a financing statement is  
submitted with designated name fields, the data shall be entered in the UCC  
information management system exactly as it appears.  
(d) Suffixes that indicate which individual is being named, such as "senior,"  
"junior," "I," "II," and "III," are appropriate and shall be entered exactly as it appears  
into the UCC information management system in a field designated for name  
suffixes.  
(e) Name fields for individuals in the UCC information management system are  
fixed in length. Although filers shall continue to provide full names of individuals on  
their financing statements, a name that exceeds the fixed length of a name field is  
entered as presented to the filing officer, up to the maximum length of the field. The  
maximum lengths of name fields are as follows:  
(i) First name, 40 characters.  
(ii) Middle name, 20 characters.  
(iii) Last name, 70 characters.  
(iv) Suffix, 20 characters.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.303 Names of organizations.  
Rule 303. Both of the following provisions apply to the name of an  
organization that is a debtor or a secured party on a financing statement:  
(a) A single field is used to store an organization name.  
(b) The organization name field in the UCC information management system is  
fixed in length. The maximum length is 250 characters. Although filers shall continue  
to provide full names of organizations on their financing statements, a name that  
exceeds the fixed length is entered as presented to the filing officer, up to the  
maximum length of the field.  
Page 9  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.304 Estates.  
Rule 304. Although estates are not human beings, the names of  
estates are  
entered into the UCC information management system, as specified in R 440.302,  
as if the decedents were the debtors.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.305 Trusts.  
Rule 305. (1) If the trust is named in its organic documents, its full legal name, as  
set forth in the documents, is entered in the UCC information management  
system as an organization under R 440.303.  
(2) If the trust is not named in its organic documents, then the name of the settlor  
is used as the trust name and entered into the UCC information management  
system in the following manner:  
(a) If the settlor is indicated to be an organization, then the name is entered as an  
organization name under R 440.303.  
(b) If the settlor is indicated to be an individual, then the name is entered as an  
individual name under R 440.302.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.306 Initial financing statement.  
Rule 306. Upon the filing of an initial financing statement, the status of the parties  
and the status of the financing statement shall be as follows:  
(a) Each secured party named on an initial financing statement shall be a secured  
party of record, except that if the initial financing statement names an assignee, then  
the secured party/assignor shall not be a secured party of record and the secured  
party/assignee shall be a secured party of record.  
(b) The status of a debtor named on the initial financing statement shall be active  
and shall continue as active until 1 year after the financing statement lapses.  
(c) The status of the financing statement shall be active. A lapse date shall be  
calculated 5 years from the filing date, unless  
indicates that it is filed with respect to a  
the  
initial financing statement  
manufactured home transaction, in which case the lapse date shall be 30 years  
from the filing date, or if the initial financing statement indicates that it is filed  
against a transmitting utility, then there shall be no lapse date. A financing statement  
remains active until 1 year after it lapses, or, if it is indicated to be filed against a  
transmitting utility, until 1 year after it is terminated with respect to all secured parties  
of record.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
Page 10  
R 440.307 Amendment.  
Rule 307. Upon the filing of an amendment, the status of the parties and the status  
of the financing statement shall be as follows:  
(a) An amendment that amends only the collateral description or  
1
or more  
addresses has no effect upon the status of any debtor or secured party.If an amendment is  
authorized by less than all of the secured parties or, in the case of an amendment that  
adds collateral, less than all of the debtors, then the amendment affects only the  
interests of each authorizing secured party or debtor.  
(b) An amendment that changes a debtor's name has no effect on the status of any  
debtor or secured party, except that the related initial financing statement and  
all related financing statements permanently associated with one another shall be  
cross-indexed in the UCC information management system so that a search under  
either the debtor's old name or the debtor's new name will reveal all related financing  
statements. An amendment that changes a debtor's name affects only the rights of  
its authorizing secured party or parties.  
(c) An amendment that changes the name of a secured party has no effect on the  
status of any debtor or any secured party, but the new name is added to the UCC  
information management system as if it were the name of a new secured party of  
record.  
(d) An amendment that adds a new debtor name has no effect upon the status of any  
party to the financing statement, except the new debtor name shall be added to the  
UCC information management system as a new debtor. The addition of a new debtor  
name shall affect only the rights of the secured party or parties authorizing the  
amendment.  
(e) An amendment that adds a new secured party shall not affect the status of any  
party to the financing statement, except that the new secured party name shall be added  
to the UCC information management system as a new secured party.  
(f) An amendment that deletes a debtor has no effect on the status of any party to  
the financing statement, even if the amendment purports to delete all debtors.  
(g) An amendment that deletes a secured party of record has no effect on the status  
of any party to the financing statement, even if the amendment purports to delete  
all secured parties of record.  
(h) An amendment shall have no effect upon the status of the financing  
statement, except that a continuation may extend the period of effectiveness of a  
financing statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.308 Assignment of powers of secured party of record.  
Rule 308. Upon the filing of an assignment, the status of the parties and the status  
of the financing statement shall be as follows:  
(a) An assignment shall have no effect on the status of the parties to the financing  
statement, except that each assignee named in the assignment shall become a secured  
party of record.  
Page 11  
(b) An assignment shall have no effect upon the status of the financing statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.309 Continuation statement.  
Rule 309. (1)Upon the timely filing of a continuation statement by any secured  
party of record, the lapse date of the financing statement shall be extended by 5 years.  
(2) The filing of a continuation statement shall have no effect upon the status of  
any party to the financing statement.  
(3) Upon the filing of a continuation statement, the status of the financing  
statement remains active in the UCC information management system until 1 year after  
it lapses, as prescribed in subrule (1) of this rule.  
R 440. 310 Termination statement.  
Rule 310. (1) The filing of a termination shall have no effect upon the status of  
any party to the financing statement.  
(2) The filing of a termination shall have no effect upon the status of the financing  
statement and, except as provided in subrule (3) of this rule, the financing statement shall  
remain active in the UCC information management system until 1 year after it  
lapses.  
(3) If the termination relates to a financing statement that indicates it is filed  
against a transmitting utility, then the financing statement shall become inactive 1  
year after it is terminated with respect to all secured parties of record.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.311 Correction statement.  
Rule 311. Upon the filing of a correction statement, the status of the parties  
and the status of the financing statement shall be as follows:  
(a) The filing of a correction statement shall have no effect upon the status of any  
party to the financing statement.  
(b) The filing of a correction statement shall have no effect upon the status of the  
financing statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.312 Procedure upon lapse.  
Rule 312. (1) If there is no timely filing of a continuation with respect to a  
financing statement, then the financing statement lapses on its lapse date, but shall  
remain active in the UCC information management system until the first anniversary  
of its lapse date.  
(2) On the first anniversary of the lapse date of a financing statement, the  
financing statement shall be deemed inactive  
in  
the  
UCC information  
management system and the financing statement shall no longer be made  
available to a searcher, unless inactive financing statements are requested by the  
Page 12  
searcher and the financing statement is still retrievable by the UCC information  
management system.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
PART 4. FILING AND DATA ENTRY PROCEDURES  
R 440.401 Data entry.  
Rule 401. Except as provided in these rules, data is transferred from a financing  
statement to the UCC information management system exactly  
as set forth in the  
document. Personnel creating reports in response to search requests type search  
criteria exactly as set forth on the search request. No effort is made by the filing  
office to detect or correct errors of any kind.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.402 Document indexing.  
Rule 402. (1) The date and time of receipt are noted on the document or  
otherwise permanently associated with the record maintained for  
statement in the UCC information management system at the earliest possible time.  
(2) The filing office determines whether a ground exists to refuse the  
a financing  
document under R 440.202. If there is no ground for refusal of the document, then all  
of the following provisions apply:  
(i) The document is stamped or deemed filed and a unique identification  
number and the filing date is stamped on the document or otherwise permanently  
associated with the record maintained for a financing statement in the UCC  
information management system.  
(ii) An acknowledgment of filing is prepared as provided in  
delivered as provided in subrule (3) of this rule.  
R
440.206 and  
(iii) The sequence of the identification number is not an indication of the order in  
which the document was received. If there is a ground for refusal of the document,  
then notification of refusal to accept the document is prepared as provided in R  
440.205 and delivered as provided in subrule (3) of this rule.  
(3) If the financing statement was tendered in person, then notice of refusal or  
acknowledgment of the filing may be given by  
delivering  
the notice or  
acknowledgment to the person tendering the filing by personal delivery, or by first  
class mail or overnight courier as provided in this subrule. If the financing statement  
was tendered by on-line access, then notice of refusal or acknowledgment of filing is  
given by delivering the notice or acknowledgment to the remitter by on-line response  
that includes the information required by R 440.205 or R 440. 206. Acknowledgment  
of filing or notice of refusal of a financing statement tendered by other means is given by  
delivering the notice or acknowledgment to the secured party, or the first secured party  
if there are more than 1 named on the financing statement by first class mail, or, if the  
remitter so requests, by first class mail to the remitter, or by overnight courier to  
Page 13  
the remitter if the remitter provides a prepaid waybill or access to the remitter's account  
with the courier.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.403 Filing date and time.  
Rule 403. (1) Except as provided in subrule (2) of this rule, the filing date and time  
of a financing statement received with the proper filing fee is determined in the  
following manner:  
(a) For a financing statement delivered to the filing office as provided in R  
40.103(a), the date and time delivery is receipted by the filing office.  
(b) Notwithstanding the time of delivery, for a financing statement delivered to  
the filing office as provided in R 440.103(b), (c), (e), or (g) during regular business  
hours, the earlier of the date and time delivery is receipted, or the next close of  
business following delivery.  
(c) For a financing statement transmitted to the filing office as provided in R  
440.103(d), the date and time the filing office determines that all required elements  
of the transmission have been received  
readable.  
in the required format and are machine-  
(d) For a financing statement transmitted to the filing office as provided in R  
440.103(f), the date and time the financing statement has been accepted for filing by the  
filing office's direct on-line entry system.  
(2) Except as provided in subrule (1)(c) and (d) of this rule, the filing date and  
time of a financing statement received after regular business hours or on a day the filing  
office is not open for business is the earlier of the date and time delivery is receipted by  
the filing office on the next day the office is open for business, or the close of business  
on the next day the filing office is open for business.  
(3) The filing officer may perform any duty relating to a financing statement on  
the filing date or on a date after the filing date.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.404 Lapse date and time.  
Rule 404. (1) Except as provided in subrule (3) of this rule, a lapse date is  
calculated for each initial financing statement in the following manner:  
(a) Unless the initial financing statement indicates that it is filed with respect to a  
manufactured home transaction, then the lapse date is the same date of the same month  
as the filing date in the fifth year after the filing date or relevant subsequent fifth  
anniversary thereof if a timely continuation statement is filed.  
(b) If the initial financing statement indicates that it is filed with respect to a  
manufactured home transaction, then the lapse date is the same date of the same month  
as the filing date in the thirtieth year after the filing date or relevant subsequent fifth  
anniversary thereof if a timely continuation statement is filed.  
(2) The lapse takes effect at midnight at the end of the lapse date. The relevant  
anniversary for a February 29 filing date shall be March 1.  
Page 14  
(3) A lapse date is not calculated for an initial financing statement that indicates the  
debtor to be a transmitting utility.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.405 Errors of the filing officer.  
Rule 405. The filing office may correct the errors  
of  
filing officer  
personnel in the UCC information management system at any time. If the correction  
is made after the filing officer has issued a certification date that includes the  
filing date of  
a
corrected document, then the filing officer shall make an entry  
on the record relating to the relevant initial financing statement in the UCC  
information management system stating the date of the correction and explaining  
the nature of the corrective action taken. The record shall be preserved for so long as  
the record of the initial financing statement is preserved in the UCC information  
management system.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.406 Errors other than filing office errors.  
Rule 406. An error by a filer is the responsibility of the filer. A filer can correct  
an error by filing an amendment. A person under whose name a record is indexed  
can disclose an error by filing a correction statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.407 Data entry of names; designated fields.  
Rule 407. (1) A financing statement shall designate whether a name is a name of  
an individual or an organization and, if an individual, shall also designate the first,  
middle, and last names and any suffix.  
(2) Both of the following provisions apply to the data entry of names into the  
UCC information management system:  
(a) Organization names are entered in the field designated for an organization  
name exactly as set forth in the financing statement, even if it appears that multiple  
names are set forth in the document or if it appears that the name of an individual  
has been included in the field designated for an organization name.  
(b) Individual names are entered into the first, middle, and last name and suffix  
fields exactly as set forth on the financing statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.408 Data entry of names; no designated fields.  
Rule 408. (1) If an initial financing statement or an amendment that adds a debtor  
to a financing statement fails to specify whether the debtor is an individual or an  
Page 15  
organization and is accepted for filing in error, then all of the following provisions  
apply:  
(a) When not set forth in a field designated for individual names, a name is treated  
as an organization name if it contains words or abbreviations that indicate status such  
as any of the following and similar words  
or abbreviations in foreign languages:  
(i) Association.  
(ii) Church.  
(iii) College.  
(iv) Company.  
(v) Co.  
(vi) Corp.  
(vii) Corporation.  
(viii) Inc.,  
(ix) Limited.  
(x) Ltd.  
(xi) Club.  
(xii) Foundation.  
(xiii) Fund.  
(xiv) L.L.C.  
(xv) Limited liability company.  
(xvi) Institute.  
(xvii) Society.  
(xviii) Union.  
(xix) Syndicate.  
(xx) GmBH.  
(xxi) S.A. de C.V.  
(xxii) Limited partnership.  
(xxiii) L.P.  
(xxiv) Limited liability partnership.  
(xxv) L.L.P.  
(xxvi) Trust.  
(xxvii) Business trust.  
(xxviii) Co-op.  
(xxix) Cooperative.  
(xxx) Other designations established by statutes to indicate  
a statutory  
organization. In cases where organization or individual status is not designated  
by the filer and is not clear, the filing officer shall enter the name in the organization  
field.  
(b) A name is entered as the name of an individual and not the name of an  
organization when the name is followed by a title substantially similar to one of the  
following titles or the equivalent of one of the following titles in a foreign language:  
(i) Proprietor.  
(ii) Sole proprietor.  
(iii) Proprietorship.  
(iv) Sole proprietorship.  
Page 16  
(v) Partner.  
(vi) General partner.  
(vii) President.  
(viii) Vice president.  
(ix) Secretary.  
(x) Treasurer.  
(xi) M.D.  
(xii) O.D.  
(xiii) D.D.S.  
(xiv) Attorney at law.  
(xv) Esq.  
(xvi) Accountant.  
(xvii) CPA.  
In such cases, the title is not entered.  
(c) Where it is apparent that the name of an individual and the name of an  
organization are stated on a single line and not in a designated individual name  
field, the name of the individual and the name of the organization shall be entered  
as 2 separate debtors, 1 as an individual and 1 as an organization. Additional  
filing fees for the additional debtor name will be required.  
(2) If an initial financing statement or an amendment that adds a debtor to a  
financing statement fails to designate the last name of an individual debtor and is  
accepted for filing in error, or if only the last name of an individual debtor is  
designated in an initial financing statement or an amendment that adds a debtor to a  
financing statement, then all of the following provisions apply:  
(a) An initial in the first position of the name is treated as a first name.An initial in  
the second position of the name is treated as a middle name.  
(b) An initial and a name to which the initial apparently corresponds, as indicated  
by parentheses or similar punctuation, is entered into 1 name field only.  
(c) Two individual names contained in a single line are entered as 2 different  
debtors.  
(d) A 1-word name is entered as a last name.  
(e) A nickname, as indicated by parentheses or similar punctuation, is entered  
in the name field together with the name preceding the nickname, or if none, then as the  
first name.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.409 Verification of data entry.  
Rule 409. The filing officer may use a number of different processes to verify  
the accuracy of data entry tasks, such as any of the following:  
(a) Use of different staff to enter and verify data.  
(b) Double blind keying for key fields, such as debtor names.  
(c) Use of frequent party lists.  
(d) Visual inspection of entered data.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
Page 17  
R 440.410 Initial financing statement record.  
Rule 410. (1) For each initial financing statement, a new record is opened in the  
UCC information management system that bears the file number of the financing  
statement and the date and time of filing.  
(2) The name and address of each debtor that are legibly set forth  
in the  
financing statement are entered into the record of the initial financing statement.  
Each debtor name entered into the record of the initial financing statement is included in  
the searchable index and is not removed until 1 year after the financing statement  
lapses. Debtor addresses may be included in the searchable index to the extent the  
filing office offers or intends to offer limited searches or limited copy requests as  
provided in R 440.504.  
(3) The name and address of each secured party that are legibly set forth in the  
financing statement are entered into the record of the initial financing statement.  
(4) The record of the initial financing statement is indexed according to the name  
of the debtor or debtors and is maintained for public inspection as provided in these  
rules.  
(5) Unless the initial financing statement indicates it is filed against a transmitting  
utility, a lapse date is established for the financing statement, and the lapse date is  
maintained as part of the record of the initial financing statement.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.411 Amendment record.  
Rule 411. (1) A record is created for an amendment that  
identification number for the amendment and the date and time of filing.  
bears the  
(2) The record of the amendment is associated with the record of the related  
initial financing statement in a manner that causes the amendment  
to be retrievable each time a record of the financing statement is retrieved.  
(3) The name and address of each additional debtor and secured  
party are  
entered into the UCC information management system in the record of the related  
initial financing statement. Each additional debtor name is added to the searchable index  
and is not removed until 1 year after the financing statement lapses. Debtor  
addresses may be included in the searchable index to the extent the filing office  
offers or intends to offer limited searches or limited copy requests as provided in R  
440.504.  
(4) If the amendment is a continuation, then a new lapse date is established  
for the financing statement and maintained as part of its record.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.412 Correction statement record.  
Rule 412. (1) A record is created for a correction statement that  
bears the  
identification number for the correction statement and the date and time of filing.  
Page 18  
(2) The record of the correction statement is associated with the record of the  
related initial financing statement in a manner that causes the correction statement  
to be retrievable each time a record of the financing statement is retrieved.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.413 Global filings.  
Rule 413. The filing officer may accept for filing  
a
single financing  
statement for the purpose of amending more than 1 financing statement for either or  
both of the following purposes:  
(a) To change secured party name.  
(b) To change secured party address.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.414 Document archives.  
Rule 414. Financing statements electronically imaged in the  
UCC  
information management system relating to financing statements that have lapsed or  
have been terminated are retained for not less than 5 years from the date of lapse or  
termination.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.415 Data archives.  
Rule 415. Data in the UCC information management system relating to  
financing statements that have lapsed or have been terminated are retained for not less  
than 5 years from the date of lapse or termination.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.416 Notice of bankruptcy.  
Rule 416. The filing officer shall take no action upon receipt of a notification,  
formal or informal, of a bankruptcy proceeding involving a debtor named in the  
UCC information management system.  
Financing statements lapse in the UCC  
information management system as scheduled unless properly continued.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
PART 5. SEARCH REQUESTS AND REPORTS  
R 440.501 Searchable index.  
Page 19  
Rule 501. The filing officer may maintain for public inspection a searchable  
index for all records of financing statements. The index shall provide for the retrieval  
of a record by the name of the debtor and by the file number of the financing statement  
to which the record relates.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.502 Search requests; contents and processing.  
Rule 502. (1) A search request shall be accompanied by the  
appropriate fee,  
payable by a method described in R 440.106, and shall contain all of the following  
information:  
(a) The full correct name of a debtor or the name variant desired to be searched.  
(b) Specify whether the debtor is an individual or an organization.  
(c) The name and address of the person to whom the search report is to be sent.  
(2) A search request shall be processed using the name in the exact form it is  
submitted.  
(3) For purposes of this rule, both of the following provisions apply:  
(a) The full name of an individual shall consist of a first name, a middle name  
or initial, and a last name followed by any suffix that may apply to the name.  
(b) The full name of an organization shall consist of the name  
of the  
organization as stated on the articles of incorporation or other organic documents in the  
state or country of organization or the name variant desired to be searched.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.503  
Requests  
for  
expediting;  
identification;  
method;  
certification date.  
Rule 503. (1) A request for expediting shall be identified as such  
requestor.  
by the  
(2) A request for expediting shall state whether the requestor desires current  
certification. Current certification is certification to the end of the business day  
preceding the day of the request.  
(3) If the requestor does not expressly request current  
certification date shall be the date under R 440.507.  
certification, then the  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.504 Request for expediting; payment; account.  
Rule 504. (1) A request for expediting shall not be accepted by the filing office  
by telephone unless the requestor has a billing account with the filing office and  
authorizes the filing office to make a charge to the account for the search.  
(2) A request for expediting made by any other means provided in R 440.104  
shall be accompanied by cash or check, in the correct amount, for the statutory fee,  
Page 20  
or the requestor shall have a billing account with the filing office and shall authorize  
the filing office to make a charge to the account for the search.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.505  
Response to request for expediting; mailing or  
personal  
delivery; time.  
Rule 505. (1) The response to a request for expediting received by the filing  
office before 11:00 a.m. on a business day shall be available for mailing or personal  
delivery between 3:00 p.m. and 4:30 p.m. on the day the request is received.  
(2) A request for expediting received by the filing office after 11:00 a.m. shall be  
considered a request for expediting and shall be processed on the next business day. If  
there is no personal delivery by the requestor on the day personal delivery is requested,  
then the information shall be mailed.  
(3) If the requestor specifies a current certification date  
in the request for  
expediting, then the information shall be available on the day of the request by  
personal delivery only.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.506 Fees for expediting searches.  
Rule 506. (1) The filing office shall charge the statutory fee for expediting of  
the regular search process, as provided by the UCC.  
(2) Each separate name of a debtor set forth in a request for expediting shall  
be deemed a separate request for purposes of the statutory fee.  
(3) Each time a requestor specifies that a request for expediting is being made,  
the request shall be deemed a separate request for purposes of the statutory fee.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.507 Search reports.  
Rule 507. (1) Reports created in response to a search request shall include all of  
he following:  
(a) Identification of the filing officer and the certification of the filing officer  
required by the UCC.  
(b) The date the report was generated.  
(c) Identification of the name searched.  
(d) The certification date applicable to the report.  
(e) Identification of each active initial financing statement filed on or before the  
certification date and time corresponding to the search criteria, by name of debtor,  
by identification number, and by file date and file time.  
(f) For each initial financing statement on the report, a listing of all related  
financing statements filed by the filing officer on or before the certification date.  
Page 21  
(g) Copies of all financing statements revealed by the search and requested by  
the searcher.  
(2) As used in this rule, "certification date" means the date and time through  
which the search is effective to reveal all relevant financing statements filed on or  
before that date.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.508 Limited or modified search requests.  
Rule 508. (1) A person requesting a UCC search may limit or modify the search  
by requesting either or both of the following:  
(a) That copies of documents referred to in the report be included with the report.  
(b) To limit the scope of the search and copies by reference to any 1 or more of the  
following:  
(i) The initial financing statement identification number.  
(ii) The city of the debtor.  
(iii) The identity of a secured party of record.  
(iv) The date of filing.  
(v) A range of dates between 2 specified dates.  
(vi) A range of dates before or after a specified date.  
(2) A report created by the filing officer in response to a request that a UCC search  
be limited under this rule shall contain the following statement: "A search request limited  
under R 440.508(1) may not reveal all filings against the debtor searched. The  
searcher bears the risk of relying on the limited search."  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
R 440.509 Personal inspection of information; filing request; time; access  
to files; charges; separate request for certification, updating, or copying.  
Rule 509. (1) A request for personal inspection of information filed with the filing  
office pursuant to the UCC shall specify a date and time for the personal inspection.  
The inspection shall be made not less than 3 business days after the request is received  
by the filing office.  
(2) A request for personal inspection of files may be made by telephone, in person,  
or by mail.  
(3) The requestor shall only be given access to files specified in writing by the  
requestor on the date of the request. The charge for personal inspection shall be the  
statutory fee for expediting of the regular search process, plus the regular statutory fee  
for each name of a debtor specified in the written request for inspection.  
(4) The request for inspection of files shall not include  
a
request for  
certification, updating, or copying of documents. A separate request shall be made for  
certification, updating, or copying by the secretary of state, and shall be subject to a  
separate statutory fee.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
Page 22  
R 440.510 Search logic.  
Rule 510. Search results are created by applying standardized search logic to the  
name presented to the filing officer by the person requesting the search. Human  
judgment does not play a role in determining the results of the search. All of the  
following provisions are applied to conduct searches:  
(1) The number of matches that may be returned in response to the search  
criteria is not limited.  
(b) No distinction is made between upper and lower case letters.  
(c) Punctuation marks and accents are disregarded. Only the letters A to Z in upper  
or lower case, the numbers 0, 1, 2, 3, 4, 5, 6, 7, 8, and 9, and the symbol &, in any  
combination, are considered in conducting the search.  
(d) Words and abbreviations at the end of a name that indicate the existence or  
nature of an organization are disregarded, including, but not limited to, any of the  
following or abbreviations of the following:  
(i) Agency.  
(ii) Association.  
(iii) Assn.  
(iv) Associates.  
(v) Assc.  
(vi) Assoc.  
(vii) Attorney at law.  
(viii) Bank.  
(ix) National bank.  
(x) Business trust.  
(xi) Charter.  
(xii) Chartered.  
(xiii) Company.  
(xiv) Co.  
(xv) Corporation.  
(xvi) Corp.  
(xvii) Credit union.  
(xviii) CU.  
(xix) Federal savings bank.  
(xx) FSB.  
(xxi) General partnership.  
(xxii) Gen part.  
(xxiii) GP.  
(xxiv) Incorporated.  
(xxv) Inc.  
(xxvi) Limited.  
(xxvii) Ltd.  
(xxviii) Ltee.  
(xxix) Limited liability company.  
(xxx) LC.  
Page 23  
(xxxi) LLC.  
(xxxii) Limited liability partnership.  
(xxxiii) LLP.  
(xxxiv) Limited partnership.  
(xxxv) LP.  
(xxxvi) Medical doctors professional association.  
(xxxvii) MDPA.  
(xxxviii) Medical doctors professional corporation.  
(xxxix) MDPC.  
(xL) National association.  
(xLi) NA.  
(xLii) Partners.  
(xLiii) Partnership.  
(xLiv) Professional association.  
(xLv) Prof assn.  
(xLvi) PA.  
(xLvii) Professional corporation.  
(xLviii) Prof corp.  
(xLix) PC.  
(L) Professional limited liability company.  
(Li) Professional limited liability co.  
(Lii) PLLC.  
(Liii) Railroad.  
(Liv) RR.  
(Lv) Real estate investment trust.  
(Lvi) REIT.  
(Lvii) Registered limited liability partnership.  
(Lviii) RLLP.  
(Lix) Savings association.  
(Lx) SA.  
(Lxi) Service corporation.  
(Lxii) SC.  
(Lxiii) Sole proprietorship.  
(Lxiv) SP.  
(Lxv) SPA.  
(Lxvi) Trust.  
(Lxvii) Trustee.  
(Lxviii) As trustee.  
(e) The word "the" at the beginning of the search criteria is disregarded.  
(f) All spaces are disregarded.  
(g) For first and middle names of individuals, initials are equated with all names  
that begin with the initials, and no middle name or initial is equated with all middle  
names and initials.  
(h) After taking the preceding provisions into account to modify the name of the  
debtor requested to be searched and to modify the names of debtors contained in  
unlapsed financing statements in the UCC information management system, the search  
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will reveal only names of active debtors that, as modified, exactly match the name  
requested, as modified.  
History: 2002 MR 21, Eff. Nov. 20, 2002.  
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