(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
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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 28-9-512 or 28-9-518, Idaho Code, as applicable; or
(ii) identifies an initial financing statement whose effectiveness has lapsed under section 28-9-515, Idaho Code;
(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 which 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 28-9-501 (a)(1), Idaho Code, 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 which was not previously provided in the financing statement to which the amendment relates, except for financing statements covering farm products and amendments of such financing statements, the record does not:
(A) provide a mailing address for the debtor; or
(B) indicate whether the name provided as the name of the debtor is the name of an individual or an organization;
(6) In the case of an assignment reflected in an initial financing statement under section 28-9-514 (a), Idaho Code, or an amendment filed under section 28-9-514 (b), Idaho Code, the record does not provide a name and mailing address for the assignee;
(7) In the case of a continuation statement, the record is not filed within the six (6) month period prescribed by section 28-9-515 (d), Idaho Code;
(8) In the case of a financing statement covering farm products, the financing statement does not contain all of the information specified in section 28-9-502 (e), Idaho Code, and does not conform to the official form for farm products financing statements published by the secretary of state; or
(9) In the case of an amendment or correction statement relating to a financing statement covering farm products, the amendment or correction statement does not conform to the official form for amendment or correction statements relating to financing statements covering farm products published by the secretary of state.
(10) The filing office is prohibited from accepting the filing pursuant to the provisions of section 28-9-516A, Idaho Code.
(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 28-9-512, 28-9-514 or 28-9-518, Idaho Code, 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.