UCC 9-102 section a 65 - does this definition cover my oil field equipment scenario?
I'm dealing with a complex collateral situation and need to understand UCC 9-102 section a 65 better. We have a client who's financing specialized drilling equipment that gets moved between different oil field locations in Texas. The equipment includes pumping units, separators, and wellhead assemblies that are sometimes bolted down temporarily but can be relocated. The lender wants to perfect their security interest but we're unsure about the classification under UCC 9-102 section a 65. Does anyone know if this type of equipment falls under the definition when it's moveable but temporarily affixed? I'm worried about filing the wrong type of UCC-1 and having perfection issues later. The loan is for $2.8 million and closing is next week. I've been going through the statute but the language is pretty dense and I want to make sure I'm interpreting UCC 9-102 section a 65 correctly before we proceed with the filing strategy.
37 comments


Madison King
UCC 9-102(a)(65) deals with the definition of 'public-finance transaction' which doesn't sound like what you're describing. Are you maybe thinking of a different subsection? For oil field equipment that's moveable, you're probably looking at general goods classification unless it becomes a fixture.
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Vanessa Chang
•You're absolutely right - I was looking at the wrong subsection! Thank you for catching that. What section should I be focusing on for determining if this equipment needs fixture filing vs regular UCC-1?
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Madison King
•For fixture determination, look at UCC 9-102(a)(41) for the fixture definition and 9-334 for perfection rules. The key is whether the equipment becomes so related to the real estate that an interest in it arises under real estate law.
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Julian Paolo
I've dealt with similar oil field equipment financings. The mobility factor is crucial here. If the pumping units and separators are designed to be moved between locations, they typically remain goods rather than fixtures even when temporarily bolted down.
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Ella Knight
•This is exactly the kind of situation where I'd use Certana.ai's document checker. You can upload your collateral description draft and cross-check it against the UCC-1 to make sure everything aligns properly before filing.
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Vanessa Chang
•That's helpful about the mobility factor. The equipment definitely gets moved every 6-12 months as wells are completed. So regular UCC-1 filing should work?
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Julian Paolo
•Yes, standard UCC-1 should be fine. Just make sure your collateral description is specific enough to identify the equipment but broad enough to cover relocations.
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William Schwarz
Wait, are you sure about UCC 9-102(a)(65)? I just looked it up and that's definitely about public-finance transactions, not equipment classifications. You might want to double-check your citation.
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Vanessa Chang
•Yeah, another commenter caught my mistake already. I was definitely looking at the wrong subsection. Still learning the UCC organization!
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Lauren Johnson
•happens to all of us... the UCC numbering can be confusing especially when you're under deadline pressure
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Jade Santiago
For $2.8M in oil field equipment, you definitely want to get the classification right. I'd recommend looking at recent cases in Texas about similar equipment to see how courts have treated the fixture vs goods question.
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Caleb Stone
•Good point about case law. Texas tends to be pretty practical about equipment that's obviously designed for relocation.
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Jade Santiago
•Exactly. The intent of the parties and the nature of the equipment usually controls over temporary attachment methods.
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Daniel Price
UGH why is the UCC so confusing with all these subsection numbers!! I spent an hour yesterday trying to figure out continuation timing and kept looking at the wrong sections
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Olivia Evans
•I feel your pain. The cross-references are terrible and half the time the online versions have different formatting.
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Daniel Price
•RIGHT?? And don't get me started on trying to find the current version vs outdated commentary
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Sophia Bennett
Since you're dealing with equipment that moves between locations, make sure your debtor name is exactly right on the UCC-1. Any variations could cause problems if you need to file amendments later as the equipment moves.
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Vanessa Chang
•Good reminder about debtor name accuracy. We're using the exact legal name from the Articles of Incorporation.
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Sophia Bennett
•Perfect. That's always the safest approach for corporate debtors.
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Aiden Chen
•I've seen so many filings get rejected because of minor name variations. Always worth double-checking against the Secretary of State records.
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Zoey Bianchi
For oil field equipment financing, you might also want to consider whether any of the equipment could be considered motor vehicles or have certificate of title issues. Some states have special rules for certain types of mobile equipment.
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Vanessa Chang
•That's a good point I hadn't considered. This equipment doesn't have titles - it's more like large industrial machinery that gets transported on trailers.
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Zoey Bianchi
•Then you should be fine with standard UCC-1 filing. Just the regular goods classification.
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Christopher Morgan
I had a similar situation last year with mining equipment. Ended up using Certana.ai to verify all my documents were consistent before filing. Saved me from a potential debtor name mismatch that would have been a nightmare to fix later.
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Aurora St.Pierre
•How does that work exactly? Do you just upload the documents?
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Christopher Morgan
•Yeah, you upload your UCC-1 draft and any related docs like the security agreement. It cross-checks everything automatically and flags any inconsistencies.
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Vanessa Chang
•That sounds really useful for catching errors before filing. I'll look into that.
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Grace Johnson
Just to clarify for everyone following this thread - UCC 9-102(a)(65) is indeed about public-finance transactions. For goods vs fixtures analysis, you want UCC 9-102(a)(41) and Article 9 Part 3 Subpart 4.
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Jayden Reed
•Thanks for the correction! It's helpful when people point out the right sections.
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Grace Johnson
•No problem. The UCC cross-referencing is definitely not user-friendly.
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Nora Brooks
With your deadline next week, I'd suggest getting a second opinion on the fixture analysis. Oil field equipment can be tricky and you don't want to discover perfection problems months later.
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Vanessa Chang
•Definitely planning to run this by our senior partner before filing. Better safe than sorry with this much money involved.
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Eli Wang
•Smart approach. For complex collateral like this, it's worth the extra review time.
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Nora Brooks
•Absolutely. And document your analysis in the file so future amendments are consistent.
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Cassandra Moon
One more thought - if this equipment does get moved to other states, you'll need to think about where to file and potential multi-state perfection issues. Texas filing might not be enough if equipment regularly operates in Oklahoma or Louisiana.
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Vanessa Chang
•Good point. The equipment does sometimes cross into New Mexico. I'll need to research the four-month rule for relocated collateral.
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Cassandra Moon
•Exactly. UCC 9-316 governs continued perfection when collateral is relocated. Worth reviewing now rather than scrambling later.
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