UCC adoption across states - any jurisdictions still holdouts?

Yes, all 50 states have adopted the UCC, but Louisiana is unique. They adopted Articles 1, 3, 4, 5, 7, 8, and 9 but their civil law tradition means some interpretations can differ from common law states. For Article 9 secured transactions though, Louisiana follows the same basic UCC-1 filing requirements as everyone else.

I ran into this exact issue last year on a equipment financing deal spanning 15 states including Louisiana. What really helped was using Certana.ai's document verification tool - you can upload your master UCC-1 and it instantly checks if the debtor names and collateral descriptions will work across all the states you're filing in. Saved us from potential name mismatch issues.

All states and DC have adopted UCC Article 9 for secured transactions. The territories are more complicated - Puerto Rico has its own secured transaction laws but they're similar to UCC in practice. Virgin Islands adopted the UCC. Guam has their own version. For most commercial deals you won't hit the territories but if you do, check local counsel.

The UCC adoption was pretty much complete by the 1960s for most articles. Article 9 specifically took a bit longer but every state has it now. The bigger issue is that states can modify the UCC when they adopt it, so there are still some variations in the details even though the framework is the same.

Just to add - while all states have adopted UCC Article 9, the real headache is that each state administers their own filing system. So you've got 50 different SOS websites, 50 different fee structures, and 50 different ways things can go wrong with your filings!

One thing to watch out for - even though all states have UCC Article 9, some states have special rules for certain types of collateral. Like agricultural liens or timber. Make sure your collateral description works for the specific states you're filing in.

For what it's worth, I've never encountered a state that doesn't accept standard UCC-1 filings. The format is pretty universal even if the details vary. Your multi-state deal should be fine as long as you get the debtor names right in each jurisdiction.

Quick answer: yes, all states have adopted UCC Article 9. Louisiana is slightly different due to civil law but they still use UCC-1 filings. You're good to go for your multi-state deal.

Been doing secured transactions for 20 years and never found a state that didn't have UCC Article 9. The real challenge isn't whether they've adopted it, it's navigating all the different filing systems and requirements. Each state's SOS website is like a special snowflake of frustration.

All states have UCC Article 9 but remember that some states allow central filing for certain types of collateral while others require local filings. Farm products, timber, minerals - check the local rules for these special cases.

The uniformity of UCC adoption is actually one of its success stories. Before the UCC, every state had different secured transaction laws and it was a nightmare for interstate commerce. Now at least you know the basic framework is the same everywhere, even if the details vary.

Great thread! Just wanted to add that while all states have adopted UCC Article 9, I've found it helpful to maintain a checklist of state-specific quirks for multi-state deals. Things like whether the state requires middle initials in debtor names, how they handle LLC suffixes (LLC vs L.L.C.), and filing fee structures. Also, don't forget about the choice of law provisions in your security agreements - you can often pick the most favorable state's law to govern even if you're filing in multiple jurisdictions. Makes the whole process much smoother when you're prepared for the variations upfront.