Okla. Stat. tit. 12A, § 12A-1-9-516: What constitutes filing; effectiveness of filing

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 1-9-512 or 1-9-518 of this

title, as applicable; or

(ii) identifies an initial financing statement whose

effectiveness has lapsed under Section 1-9-515 of

this title;

(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 which was not

previously provided in the financing statement to

which the record relates, the record does not identify

the debtor's surname; or

(D) in the case of a record filed or recorded in the

filing office described in paragraph (1) of subsection

(a) of Section 1-9-501 of this title, 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 which 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; or

(B) indicate whether the name provided as the name of the

debtor is the name of an individual or an

organization;

(6) in the case of an assignment reflected in an initial

financing statement under paragraph (a) of Section 1-9-514 of this

title or an amendment filed under subsection (b) of Section 1-9-514

of this title, 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 subsection (d) of

Section 1-9-515 of this title.

(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 1-9-512, 1-9-514, or 1-9-518 of this title, is

an initial financing statement.

(d) A record that is communicated to the filing office with

tender of the filing fee, but which 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 which gives value in reasonable reliance

upon the absence of the record from the files.