When is a UCC-5 required?

A UCC-5 is used when you need to supplement or clarify an existing financing statement. It is not a substitute for a new financing statement when creating an initial security interest.

Can I e-sign a UCC-5?

Yes in most jurisdictions provided ESIGN (15 U.S.C. §7001) or state UETA rules are met. Confirm any filing-office restrictions and capture required consent and audit trails.

Most UCC filings do not require notarization. Check local filing office rules and RON availability for your state before adding notarization.

What happens if the debtor name is wrong?

A name mismatch can impair searchability and affect priority. File a correction or supplemental statement promptly to cure indexing problems.

How long does it take to process?

Processing times vary by office and filing method; electronic submissions are typically faster, but verify the filing office timetable for expected turnaround.

How long should I retain records?

Retain signed records for the life of the security interest plus statutory retention (see IRS IRC §6501(a) and HIPAA 45 CFR §164.530(j) where applicable).

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UCC-5 Information Statement Form

UCC-5 Information Statement Form

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

CAUTION:

This is not an

amendment.

INFORMATION STATEMENT

FOLLOW INSTRUCTIONS

A. NAME & PHONE OF CONTACT AT FILER (optional)

B. E-MAIL CONTACT AT FILER (optional)

C. SEND ACKNOWLEDGMENT TO: (Name and Address)

THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY

1. Identification of the RECORD to which this INFORMATION STATEMENT relates

1a. INITIAL FINANCING STATEMENT FILE NUMBER

1b. RECORD INFORMATION TO WHICH THIS INFORMATION STATEMENT RELATES

2. Check one of these three boxes to indicate the claim made by this INFORMATION STATEMENT

2a. RECORD IS INACCURATE. Enter in item 3 the basis for the belief by the Debtor of Record identified in item 5 that the RECORD identified in item 1 is inaccurate and indicate the manner in which the person believes the RECORD should be amended to cure the inaccuracy

2b. RECORD WAS WRONGFULLY FILED. Enter in item 3 the basis for the belief by the Debtor of Record identified in item 5 that the RECORD identified in item 1 was wrongfully filed

2c. RECORD FILED BY PERSON NOT ENTITLED TO DO SO. Enter in item 3 the basis for the belief by the Secured Party of Record that the person that filed the RECORD identified in item 1 was not entitled to do so under UCC Section 9-509

3. Basis for claim of box checked in item 2

4. If this INFORMATION STATEMENT relates to a RECORD filed [or recorded] in a filing office described in Section 9-501(a)(1) and this INFORMATION STATEMENT is filed in such a filing office, provide the date [and time] on which the INITIAL FINANCING STATEMENT identified in item 1a above was filed [or recorded]

4a. DATE

4b. TIME

5. NAME of PERSON filing this INFORMATION STATEMENT

5a. ORGANIZATION'S NAME

OR

5b. INDIVIDUAL'S SURNAME

FIRST PERSONAL NAME

ADDITIONAL NAME(S)/INITIAL(S)

SUFFIX

FILING OFFICE COPY INFORMATION STATEMENT (Form UCC5) (Rev. 07/19/12)

What the UCC-5 Information Statement Form Is and When It’s Used

The UCC-5 Information Statement Form is a standardized filing used in secured-transaction workflows to record supplemental information related to a financing statement or to provide public notice of a secured party’s interest. It is typically used to add clarifying details, correct non-material errors, or attach explanatory language that supplements an existing UCC financing statement recorded under Article 9 of the Uniform Commercial Code. The form creates a searchable public record that creditors, title examiners, and other stakeholders can consult when assessing lien priority or collateral scope.

Why a Clear UCC-5 Information Statement Matters

A well-completed UCC-5 preserves priority rights, reduces challenge risk, and improves record accuracy for secured transactions under UCC Article 9. Clear public notices limit downstream title disputes and administrative rework.

Who Typically Prepares and Uses the UCC-5

Accurate completion helps each party preserve rights and reduces future lien-search ambiguity.

Commercial lenders reviewing collateral scope and priority before loan advances
Title companies verifying public record status during closing searches
Corporate legal teams updating collateral descriptions or referencing amendments

Anatomy of a Professional UCC-5 Information Statement

A complete UCC-5 contains standardized header data plus a concise explanation or supplemental text that links to an existing financing statement. Prepare it to be clear, consistent, and machine-searchable to ensure accurate public indexing.

Form Header

State identifier, filing office block, and form number; ensures the entry indexes to the correct public record system.

Related Filing

Exact financing statement file number or reference to the original UCC-1/UCC-3 filing to establish linkage and context for the supplemental information.

Debtor Details

Debtor legal name and address using the same format as the original filing to prevent search mismatches or indexing errors.

Secured Party

Secured party name and contact details so interested parties can identify the claimant and request further documentation if needed.

Supplemental Text

Concise supplemental narrative or itemized entries that clarify collateral, correct typographical errors, or provide explanatory attachments.

Signature Block

Authorized representative signature, printed name, and date. If electronic signing is used, include method and signer authentication details.

Security, Encryption and Legal Compliance Considerations

TLS in transit: TLS 1.2/1.3 for data transmission

Encryption at rest: AES-256 encryption of stored documents

Audit trail: Timestamp, IP, action history

Authentication: Multi-factor and advanced options

Regulatory covers: ESIGN, UETA, SOC 2 Type II

Health data: HIPAA support with BAA available

Step-by-Step: Completing and Filing a UCC-5

Follow these core steps to prepare, authorize, and file a UCC-5 to ensure public notice links correctly to the underlying financing statement.

01

Prepare Form: Populate header and related-file fields accurately
02

Draft Supplemental Text: Write precise, limited explanatory language
03

Obtain Authorization: Secure authorized signature or electronic consent
04

File with Office: Submit to the appropriate filing office

Configuring an Online UCC-5 Workflow

Set up an efficient digital workflow to populate fields, gather signatures, and submit the filing electronically while preserving an audit trail.

Upload Document Template	Store a UCC-5 template as PDF or DOCX
Place Fillable Fields	Map debtor, filing number, and signature fields
Authentication Level	Choose email, SMS code, or KBA
Notary / RON Option	Enable RON session or in-person notarization
Submit Destination	Route signed file to filing office and parties

Where to File and Who Receives Copies

Routing varies by jurisdiction; confirm the correct filing office and preserve copies for all interested parties.

Filing Office: Secretary of State or designated UCC repository
Secured Party Copy: Retain signed PDF for records and audits
Debtor Notice: Provide debtor a copy per internal policy
Third-Party Notice: Send to title or closing agents as needed

Digital Filing and eSubmission: Platform Checklist

Ensure the vendor provides ESIGN/UETA compliance, tamper-evident signed PDFs, and an exportable audit trail before submitting UCC-5 filings electronically.

File formats: PDF and DOCX support
Integrations: Salesforce, NetSuite, Microsoft 365
Authentication methods: Email, SMS, KBA, SSO

Key Timing Rules and When Filings Take Effect

Timing governs priority, lapse, and continuation; confirm dates against the original financing statement and UCC timing rules.

Effectiveness of Filing:

UCC filing is effective upon acceptance by filing office

Financing Statement Duration:

Generally effective for five years per UCC §9-515

Continuation Window:

File continuation within six months before lapse per UCC §9-515(c)

Amendment Timing:

Supplemental statements take effect on filing acceptance

Processing Expectations:

Processing times vary by office and method chosen

Primary Risks and Consequences of Errors

Name Mismatch: Search failure; priority loss

Wrong Reference: Unlinked supplemental information

Improper Authorization: Challengeable or invalid filing

Missed Continuation: Lien lapse after five years

Inaccurate Collateral: Overbroad or ambiguous claims

Retention Failure: Inability to reproduce signed record

Common Preparation Errors to Avoid

Using an informal or DBA name instead of the debtor's legal name, which can prevent proper indexing and defeat priority searches.
Referencing the wrong filing number or failing to include the related financing statement identifier so the supplementary text does not attach properly.
Submitting unclear collateral descriptions or overly broad language that creates interpretation disputes during title or lien searches.
Failing to capture or retain the signer’s authentication and audit trail when using electronic signatures, weakening enforceability evidence.

Representative Use Cases for an Information Statement

Two practical scenarios illustrate how a UCC-5 supplements public records and reduces downstream friction.

Lender Correction

A regional lender notices a debtor name typo in the original filing and prepares a UCC-5 with exact name correction

The lender references the original financing statement number to maintain traceability
The corrected public record reduces title search failures and preserves the lender’s intended priority for future enforcement or sale.

Collateral Clarification

A secured party adds a UCC-5 to specify serial-numbered collateral omitted earlier

The statement links to the prior financing statement by file number
Clear collateral description prevents dispute during repossession and improves third-party purchaser confidence.

Who Signs and Who Can Authorize a UCC-5

Authorized Officer

An officer or agent of the secured party with delegated authority signs or electronically authorizes the UCC-5; documentation of that authority should be kept with the file.

Debtor Representative

Where debtor consent or acknowledgment is required, a named corporate officer or authorized agent signs; absent agreement, consult counsel before filing.

Practical Tips for Accurate and Efficient Completion

Adopt these best practices to reduce errors and ensure effective public notice when submitting a UCC-5.

Match Original Formatting

Use the same debtor and secured party name formats as the original filing to avoid indexing mismatches and unsuccessful searches.

Keep Supplemental Text Concise

Limit explanatory language to the minimum necessary; verbose descriptions increase ambiguity and title-examination time.

Preserve Audit Trails

Retain signed PDFs with timestamp, IP, and authentication evidence to support enforceability under ESIGN (15 U.S.C. §7001) and state UETA rules.

Confirm Filing Office Process

Verify the correct filing channel and any RON or e-filing requirements to avoid rejected submissions and re-filing delays.

Frequently Asked Questions About the UCC-5

Answers to common questions about form purpose, filing, and electronic execution to help avoid rejections and preserve lien priority.

Need help? Contact support

When is a UCC-5 required?
A UCC-5 is used when you need to supplement or clarify an existing financing statement. It is not a substitute for a new financing statement when creating an initial security interest.
Can I e-sign a UCC-5?
Yes in most jurisdictions provided ESIGN (15 U.S.C. §7001) or state UETA rules are met. Confirm any filing-office restrictions and capture required consent and audit trails.
Do I need a notary?
Most UCC filings do not require notarization. Check local filing office rules and RON availability for your state before adding notarization.
What happens if the debtor name is wrong?
A name mismatch can impair searchability and affect priority. File a correction or supplemental statement promptly to cure indexing problems.
How long does it take to process?
Processing times vary by office and filing method; electronic submissions are typically faster, but verify the filing office timetable for expected turnaround.
How long should I retain records?
Retain signed records for the life of the security interest plus statutory retention (see IRS IRC §6501(a) and HIPAA 45 CFR §164.530(j) where applicable).

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