(a)Except as
otherwise provided in subsection (b) of this section, communication of a record to a
filing office and tender of the filing fee or acceptance of the record by the filing
office constitutes filing.
(b)Filing does not occur with respect to a record that a filing office refuses
to accept because:
(1)The record is not communicated by a method or medium of
communication authorized by the filing office;
(2)An amount equal to or greater than the applicable filing fee is not
tendered;
(3)The filing office is unable to index the record because:
(A)In the case of an initial financing statement, the record does not provide a
name for the debtor;
(B)In the case of an amendment or information statement, the record:
(i)Does not identify the initial financing statement
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(a) Except as
otherwise provided in subsection (b) of this section, communication of a record to a
filing office and tender of the filing fee or acceptance of the record by the filing
office constitutes filing.
(b) Filing does not occur with respect to a record that a filing office refuses
to accept because:
(1) The record is not communicated by a method or medium of
communication authorized by the filing office;
(2) An amount equal to or greater than the applicable filing fee is not
tendered;
(3) The filing office is unable to index the record because:
(A) In the case of an initial financing statement, the record does not provide a
name for the debtor;
(B) In the case of an amendment or information statement, the record:
(i) Does not identify the initial financing statement as required by section 4-9-512 or 4-9-518, as applicable; or
(ii) Identifies an initial financing statement whose effectiveness has lapsed
under section 4-9-515;
(C) In the case of an initial financing statement that provides the name of a
debtor identified as an individual or an amendment that provides a name of a debtor
identified as an individual that was not previously provided in the financing
statement to which the record relates, the record does not identify the debtor's
surname; or
(D) In the case of a record filed or recorded in the filing office described in
section 4-9-501 (a)(1), the record does not provide a sufficient description of the
real property to which it relates;
(4) In the case of an initial financing statement or an amendment that adds a
secured party of record, the record does not provide a name and mailing address
for the secured party of record;
(5) In the case of an initial financing statement or an amendment that
provides a name of a debtor that was not previously provided in the financing
statement to which the amendment relates, the record does not:
(A) Provide a mailing address for the debtor; or
(B) Indicate whether the debtor is an individual or an organization.
(C) Repealed.
(6) In the case of an assignment reflected in an initial financing statement
under section 4-9-514 (a) or an amendment filed under section 4-9-514 (b), the
record does not provide a name and mailing address for the assignee; or
(7) In the case of a continuation statement, the record is not filed within the
six-month period prescribed by section 4-9-515 (d).
(c) For purposes of subsection (b) of this section:
(1) A record does not provide information if the filing office is unable to read
or decipher the information; and
(2) A record that does not indicate that it is an amendment or identify an
initial financing statement to which it relates, as required by section 4-9-512, 4-9-514, or 4-9-518, is an initial financing statement.
(d) A record that is communicated to the filing office with tender of the filing
fee, but which the filing office refuses to accept for a reason other than one set
forth in subsection (b) of this section, is effective as a filed record except as against
a purchaser of the collateral which gives value in reasonable reliance upon the
absence of the record from the files.