{"data":{"id":"us-co/c.r.s.-4-9-516","jurisdiction":"us-co","citation":"C.R.S. § 4-9-516","heading":"What constitutes filing - effectiveness of filing.","body":"(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.\n\n(b) Filing does not occur with respect to a record that a filing office refuses to accept because:\n\n(1) The record is not communicated by a method or medium of communication authorized by the filing office;\n\n(2) An amount equal to or greater than the applicable filing fee is not tendered;\n\n(3) The filing office is unable to index the record because:\n\n(A) In the case of an initial financing statement, the record does not provide a name for the debtor;\n\n(B) In the case of an amendment or information statement, the record:\n\n(i) Does not identify the initial financing statement as required by section 4-9-512 or 4-9-518, as applicable; or\n\n(ii) Identifies an initial financing statement whose effectiveness has lapsed under section 4-9-515;\n\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 that was not previously provided in the financing statement to which the record relates, the record does not identify the debtor's surname; or\n\n(D) In the case of a record filed or recorded in the filing office described in section 4-9-501 (a)(1), the record does not provide a sufficient description of the real property to which it relates;\n\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\n(5) In the case of an initial financing statement or an amendment that provides a name of a debtor that was not previously provided in the financing statement to which the amendment relates, the record does not:\n\n(A) Provide a mailing address for the debtor; or\n\n(B) Indicate whether the debtor is an individual or an organization.\n\n(C) Repealed.\n\n(6) In the case of an assignment reflected in an initial financing statement under section 4-9-514 (a) or an amendment filed under section 4-9-514 (b), the record does not provide a name and mailing address for the assignee; or\n\n(7) In the case of a continuation statement, the record is not filed within the six-month period prescribed by section 4-9-515 (d).\n\n(c) For purposes of subsection (b) of this section:\n\n(1) A record does not provide information if the filing office is unable to read or decipher the information; and\n\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 section 4-9-512, 4-9-514, or 4-9-518, is an initial financing statement.\n\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) 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.","path":["Title 4 - UNIFORM COMMERCIAL CODE","Article 9 - Secured Transactions","Part 5 - FILING"],"source_url":"https://olls.info/crs/crs2026-title-04.htm","current_through":"Colorado Revised Statutes 2026","vintage":"","retrieved_at":"2026-09-14T18:37:45Z","sha256":"1716687bd8bb81860124d5da58d862cbeb0f1ff5f472d8e3bd4ca7e3ec8223cd","source_id":"us-co","stale":false,"prev":"us-co/c.r.s.-4-9-515","next":"us-co/c.r.s.-4-9-517"},"notice":"GroundRules: Original legal text. Not legal advice."}