{"data":{"id":"us-ar/ark.-code-ann.-4-9-516","jurisdiction":"us-ar","citation":"Ark. Code Ann. § 4-9-516","heading":"What constitutes filing — Effectiveness of filing.","body":"(a) Except as otherwise provided in subsection (b), 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.\n(b) Filing does not occur with respect to a record that a filing office refuses to accept because:\n(1) the record is not communicated by a method or medium of communication authorized by the filing office;\n(2) an amount equal to or greater than the applicable filing fee is not tendered;\n(3) the filing office is unable to index the record because:\n(A) in the case of an initial financing statement, the record does not provide a name for the debtor;\n(B) in the case of an amendment or information statement, the record:\n(i) does not identify the initial financing statement as required by § 4-9-512 or § 4-9-518, as applicable; or\n(ii) identifies an initial financing statement whose effectiveness has lapsed under § 4-9-515;\n(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\n(D) in the case of a record filed in the filing office described in § 4-9-501(a)(1), the record does not provide a sufficient description of the real property to which it relates;\n(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;\n(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:\n(A) provide a mailing address for the debtor; or\n(B) indicate whether the name provided as the name of the debtor is the name of an individual or an organization;\n(6) in the case of an assignment reflected in an initial financing statement under § 4-9-514(a) or an amendment filed under § 4-9-514(b), the record does not provide a name and mailing address for the assignee;\n(7) in the case of a continuation statement, the record is not filed within the six-month period prescribed by § 4-9-515(d); or\n(8) in the case of a financing statement, the filing office determines that the financing statement is fraudulent under § 4-9-520(e).\n(c) For purposes of subsection (b):\n(1) a record does not provide information if the filing office is unable to read or decipher the information; and\n(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 § 4-9-512, § 4-9-514, or § 4-9-518, is an initial financing statement.\n(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), 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.","path":["Title 4 Business and Commercial Law","Subtitle 1. Uniform Commercial Code","Chapter 9 Secured Transactions","Part 5 — Filing","Subpart 1 Filing Office — Contents and Effectiveness of Financing Statement"],"source_url":"https://archive.org/download/gov.ar.code/release78.2020.11.06/gov.ar.code.title.04.odt","current_through":"2020-11-06","vintage":"Arkansas Code Release 78 (2020-11), retrieved 2026-09-17","retrieved_at":"2026-09-17T21:07:03Z","sha256":"f5771eed6482635c067dc9031c028f56991cc50ef7c67791ab324757cadb99e2","source_id":"us-ar","stale":false,"prev":"us-ar/ark.-code-ann.-4-9-515","next":"us-ar/ark.-code-ann.-4-9-517"},"notice":"GroundRules: Original legal text. Not legal advice."}