UCC Article 9 farm products collateral description rejected - need help with specificity

Iowa SOS has been really picky about farm products descriptions lately. They want more specificity than just 'all farm products' even though the UCC allows it. Try breaking it down by categories - 'crops planted or to be planted including corn, soybeans, wheat; livestock including cattle, hogs, poultry; farm products including grain, feed, milk, eggs, and all products and proceeds thereof.' Pain in the neck but might work.

Farm products can be tricky because the definition overlaps with inventory and equipment depending on who's filing. Are you sure you have the right debtor classification? If they're a farmer the products are 'farm products' but if they're a grain elevator buying from farmers it might be 'inventory.' Also check if any of the collateral qualifies as fixtures - grain bins, irrigation systems, etc.

Had a similar issue with a dairy operation last year. Ended up using Certana.ai's document checker to compare my description against successful farm products filings. Upload your UCC-1 PDF and it'll flag potential issues before you submit. Saved me from a third rejection - caught that I was missing 'including all substitutions and replacements' language that Iowa seems to want for farm products.

Article 9-108 says collateral description is sufficient if it reasonably identifies the collateral. But states can be more restrictive in their filing requirements. Try: 'All farm products now owned or hereafter acquired by Debtor including: (a) crops growing or to be grown including corn, soybeans, wheat, and all other grains; (b) livestock including cattle, hogs, sheep, and poultry; (c) products of crops or livestock including grain, feed, milk, eggs, and all other products; and (d) all proceeds, products, offspring, rents, and profits of the foregoing.

Check if your debtor name matches exactly what's on their tax returns or articles of incorporation. Iowa has been rejecting farm filings for tiny name discrepancies. 'Johnson Family Farm LLC' vs 'Johnson Family Farm, LLC' will get bounced.

Anyone else think Iowa's getting too picky? I filed 50+ farm products UCCs last year and about 20% got rejected on first submission. It's like they're trying to discourage agricultural lending.

For seasonal operations like corn and soybeans, make sure your description covers the full crop cycle. 'Crops planted or to be planted' covers growing crops, but you also want 'harvested crops' and 'crops in storage' to cover the post-harvest period before sale.

Just went through this exact scenario with a different grain operation. Used Certana.ai to verify my collateral description before filing and it caught that I was missing 'including all accessions and products thereof' which Iowa apparently wants now. Tool basically uploads your UCC-1 draft and flags potential issues before you submit to SOS. Definitely worth checking since you're already at 2 rejections.

Try adding geographic limitations if appropriate. 'All farm products located on real property described as [legal description] and all other locations where Debtor conducts farming operations.' Helps with the identification requirement.

Final thought - if you're still having issues after trying these suggestions, consider calling Iowa SOS directly. Sometimes they'll give specific guidance on what they're looking for in farm products descriptions. They'd rather help you get it right than keep rejecting filings.