您是否有关于设备租赁的UCC疑问?您是否有风险失去其他债权人的优先事项?律师贝内特科恩伊利诺伊州律师事务所科恩,Salk&Huvard,P.C.,一直被问到这样的问题,并花了时间写一些答案。你也可能想看看他的购买金钱安全兴趣的电子书(PMSI)

设备租赁的承诺:贷方是否需要占有原始租赁,以完善其对设备租约的安全兴趣?

回答:根据“统一商业代码”第9条(“代码”),贷方可以通过以下任一:

  1. 提交UCC融资陈述涉及租约。
  2. 占有原始租约。

但是,没有占据其安全利益的贷款人,其安全利益被另一个债权人提醒,他们为借款人提供了新价值并占有原始租约。In certain limited situations, it is not practical to take possession of the original leases and some lenders will require that a legend be affixed to each original lease in the debtor’s possession describing the assignment to the lender by name and address (although such legending would need to be monitored and could be easily removed by an unscrupulous borrower, presenting a potential significant business risk to the lender). It should be noted that many lenders employ both perfection methods described above (i.e., UCC filing and taking possession of the original leases) to achieve better protection.

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