47-9516. What constitutes filing;
effectiveness of filing


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 correction statement, the record:


(i) Does not identify the initial financing statement as required by section
47-9512 or 47-9518, as applicable; or


(ii) Identifies an initial financing statement whose effectiveness has lapsed under
section 47-9515;


(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 last name; or


(d) In the case of a record filed or recorded in the filing office described in
section 47-9501, subsection A, paragraph 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;


(b) Indicate whether the debtor is an individual or an organization; or


(c) If the financing statement indicates that the debtor is an organization,
provide:


(i) A type of organization for the debtor;


(ii) A jurisdiction of organization for the debtor;


(iii) An organizational identification number for the debtor or indicate that the
debtor has none;


6. In the case of an assignment reflected in an initial financing statement under
section 47-9514, subsection A or an amendment filed under section 47-9514, subsection 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 47-9515, subsection 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 47-9512, 47-9514 or
47-9518, is an initial financing statement.


D. A record that is communicated to the filing office with tender of the filing
fee, but that 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 that gives value in reasonable reliance on the absence of the
record from the files.