{"data":{"id":"us-ia/iowa-code-554.9109","jurisdiction":"us-ia","citation":"Iowa Code § 554.9109","heading":"Scope.","body":"1. Except as otherwise provided in subsections 3 and 4, this Article applies to:\na. a transaction, regardless of its form, that creates a security interest in personal property or fixtures by contract;\nb. an agricultural lien;\nc. a sale of accounts, chattel paper, payment intangibles, or promissory notes;\nd. a consignment;\ne. a security interest arising under section 554.2401, 554.2505, 554.2711, subsection 3, or section 554.13508, subsection 5, as provided in section 554.9110; and\nf. a security interest arising under section 554.4210 or 554.5118.\n2. The application of this Article to a security interest in a secured obligation is not affected by the fact that the obligation is itself secured by a transaction or interest to which this Article does not apply.\n3. This Article does not apply to the extent that:\na. a statute, regulation, or treaty of the United States preempts this Article;\nb. another statute of this state expressly governs the creation, perfection, priority, or enforcement of a security interest created by this state or a governmental unit of this state;\nc. a statute of another state, a foreign country, or a governmental unit of another state or a foreign country, other than a statute generally applicable to security interests, expressly governs creation, perfection, priority, or enforcement of a security interest created by the state, country, or governmental unit; or\nd. the rights of a transferee beneficiary or nominated person under a letter of credit are independent and superior under section 554.5114.\n4. This Article does not apply to:\na. a landlord’s lien, other than an agricultural lien;\nb. a lien, other than an agricultural lien, given by statute or other rule of law for services or materials, but section 554.9333 applies with respect to priority of the lien;\nc. an assignment of a claim for wages, salary, or other compensation of an employee;\nd. a sale of accounts, chattel paper, payment intangibles, or promissory notes as part of a sale of the business out of which they arose;\ne. an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only;\nf. an assignment of a right to payment under a contract to an assignee that is also obligated to perform under the contract;\ng. an assignment of a single account, payment intangible, or promissory note to an assignee in full or partial satisfaction of a preexisting indebtedness;\nh. a transfer of an interest in or an assignment of a claim under a policy of insurance, other than an assignment by or to a health care provider of a health care insurance receivable and any subsequent assignment of the right to payment, but sections 554.9315 and 554.9322 apply with respect to proceeds and priorities in proceeds;\ni. an assignment of a right represented by a judgment, other than a judgment taken on a right to payment that was collateral;\nj. a right of recoupment or setoff, but:\n(1) section 554.9340 applies with respect to the effectiveness of rights of recoupment or setoff against deposit accounts; and\n(2) section 554.9404 applies with respect to defenses or claims of an account debtor;\nk. the creation or transfer of an interest in or lien on real property, including a lease or rents thereunder, except to the extent that provision is made for:\n(1) liens on real property in sections 554.9203 and 554.9308;\n(2) fixtures in section 554.9334;\n(3) fixture filings in sections 554.9501, 554.9502, 554.9512, 554.9516, and 554.9519; and\n(4) security agreements covering personal and real property in section 554.9604;\nl. an assignment of a claim arising in tort, other than a commercial tort claim, but sections 554.9315 and 554.9322 apply with respect to proceeds and priorities in proceeds;\nm. an assignment of a deposit account in a consumer transaction, but sections 554.9315 and 554.9322 apply with respect to proceeds and priorities in proceeds;\nn. a transfer, other than a transfer pursuant to chapter 419, by this state or a governmental unit within this state in connection with a public-finance transaction or a transaction that would be a public-finance transaction but for failure to meet the criterion set forth in section 554.9102, subsection 1, paragraph “bu”, subparagraph (2); or\no. an assignment of a claim or right to receive any of the following:\n(1) compensation for injuries or sickness as provided in 26 U.S.C. §104(a)(1) or (2).\n(2) benefits under a special needs trust as provided in 42 U.S.C. §1396p(d)(4).","path":["Title XIII - COMMERCE (Ch. 505 - 554I)","Chapter 554 - UNIFORM COMMERCIAL CODE","Article 9 - SECURED TRANSACTIONS","Part 1 - GENERAL PROVISIONS","Subpart B - APPLICABILITY OF ARTICLE"],"source_url":"https://www.legis.iowa.gov/docs/code/2026/554.9109.pdf","current_through":"Iowa Code 2026 edition","vintage":"","retrieved_at":"2026-09-14T19:40:15Z","sha256":"46f048caafc7ddfede05d64c5dd0cc11f1e3fb787adb973ebd74100990a35cde","source_id":"us-ia","stale":false,"prev":"us-ia/iowa-code-554.9108","next":"us-ia/iowa-code-554.9110"},"notice":"GroundRules: Original legal text. Not legal advice."}