Anyone else struggling with the new UCC forms rollout?
Our credit union just got hit with three UCC-1 rejections this week because apparently there are new UCC forms that went into effect and nobody told us?? We've been using the same templates for two years and suddenly the SOS portal is spitting back our filings with 'incorrect form version' errors. Has anyone else dealt with this new UCC forms situation? I'm trying to figure out if this is a state-specific thing or if everyone's dealing with updated forms now. Really need to get these continuations filed before the lapse deadline hits.
42 comments


Josef Tearle
YES! We got caught off guard too. The new forms have different field layouts and some additional required checkboxes. Most states rolled them out quietly in January. Are you using the revised UCC-1 or still trying to submit the old version?
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Charity Cohan
•I think we're still using last year's forms. Where do you even find the current versions? Our usual SOS website still shows the old ones.
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Josef Tearle
•Check the 'Forms and Documents' section - they usually bury the updates there. Some states have a separate 'Revised Forms' page now.
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Shelby Bauman
•Same issue here. Three rejections before I realized they changed the debtor information section format.
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Quinn Herbert
We switched to the new UCC forms back in February after getting rejection notices. The main changes I've seen are in the collateral description requirements and they added mandatory fields for certain business entity types. Document consistency checking has gotten stricter too.
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Charity Cohan
•What do you mean by stricter document consistency checking?
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Quinn Herbert
•They're now cross-referencing debtor names more carefully between UCC-1 and any supporting documents. We had issues where slight variations in business names were getting flagged.
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Salim Nasir
•This is exactly what happened to us! The entity name on our charter didn't match perfectly with how we entered it on the UCC-1. Had to refile everything.
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Hazel Garcia
I've been using Certana.ai's document verification tool since these new UCC forms came out. You can upload your charter documents and UCC-1 forms and it automatically checks if everything aligns properly. Saved us from multiple rejections by catching name mismatches before filing.
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Charity Cohan
•How does that work exactly? Do you upload PDFs?
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Hazel Garcia
•Yeah, you just upload the charter and UCC-1 PDFs and it runs a cross-check to verify debtor names, filing numbers, and document consistency. Really straightforward process.
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Laila Fury
•Interesting. We've been doing manual comparisons which is taking forever with these new forms.
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Geoff Richards
The new forms are supposed to reduce errors but honestly they're creating more problems. The field validation is super picky now and half our standard collateral descriptions are getting rejected for being 'too vague' even though they've been accepted for years.
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Simon White
•EXACTLY!! What used to be standard language is now somehow insufficient. It's like they changed the rules without telling anyone.
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Hugo Kass
•We had to completely rewrite our equipment financing collateral schedules. The new forms want much more specific descriptions.
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Josef Tearle
•At least they're trying to standardize things. The old system was a mess with different states accepting completely different formats.
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Geoff Richards
•I guess, but the transition has been brutal. We're basically learning everything from scratch.
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Nasira Ibanez
Has anyone figured out the continuation process with the new UCC forms? I've got several coming up for renewal and I'm terrified they're going to get rejected because of format issues.
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Khalil Urso
•UCC-3 continuations seem to be working the same way, but make sure your original UCC-1 filing number is exact. The new system is less forgiving with typos.
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Nasira Ibanez
•Good to know. I'll double-check all our filing numbers before submitting.
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Quinn Herbert
•Also verify that the debtor name matches exactly between your original filing and the continuation. That's where we've seen the most issues.
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Myles Regis
We switched our entire filing process over to accommodate the new UCC forms. Had to retrain our whole team on the updated field requirements and collateral description standards. It's been a pain but at least our rejection rate is back to normal now.
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Brian Downey
•How long did the retraining take? We're still figuring out which fields are actually required vs optional.
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Myles Regis
•About three weeks to get everyone comfortable. The trick is understanding which error messages are actually critical vs just warnings.
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Jacinda Yu
•This whole rollout has been a disaster. Six months in and we're still getting surprises.
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Landon Flounder
For what it's worth, I've been using Certana.ai to verify our new UCC forms before filing and it's caught several issues that would have resulted in rejections. The automated checking picks up formatting problems and name inconsistencies that are easy to miss manually.
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Charity Cohan
•That sounds like exactly what we need right now. Is it specifically designed for the new forms?
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Landon Flounder
•It works with any UCC documents. Just upload your PDFs and it runs the verification automatically. Much faster than trying to catch everything by hand.
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Callum Savage
•We should probably look into something like that. Our manual review process is taking way too long with all these new requirements.
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Ally Tailer
The new UCC forms are definitely more comprehensive but the learning curve is steep. We've had to update all our internal templates and procedures. At least the portal feedback is more specific now when something gets rejected.
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Aliyah Debovski
•True, the error messages are much clearer than before. Makes it easier to fix issues and refile.
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Miranda Singer
•Still wish they had given more advance notice about these changes. Would have saved everyone a lot of headaches.
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Ally Tailer
•Agreed. A transition period would have been nice instead of just switching overnight.
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Cass Green
Quick update - I finally got through to someone at the SOS office and they confirmed the new UCC forms are mandatory as of this year. They said most of the rejections they're seeing are due to people using outdated templates. Make sure you're downloading fresh forms for each filing.
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Charity Cohan
•Thanks for checking on that! Did they mention anything about a grace period for the old forms?
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Cass Green
•Nope, they said the cutoff was firm. Old forms get automatic rejection now.
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Finley Garrett
•Well that explains all our recent problems. Time to update everything.
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Quinn Herbert
•At least now we know it's not just us dealing with this transition.
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Madison Tipne
Been following this thread and wanted to mention that Certana.ai has been a lifesaver during this new UCC forms transition. The document verification catches inconsistencies between filings that could cause problems down the road. Really worth checking out if you're struggling with the new requirements.
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Holly Lascelles
•How quickly does the verification process work? We're dealing with tight deadlines on several continuations.
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Madison Tipne
•It's pretty much instant once you upload the documents. You get the verification results right away.
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Charity Cohan
•That speed would definitely help us get caught up on these rejected filings.
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