{"data":{"id":"us-ny/n.y.-uniform-commercial-code-law-9-201","jurisdiction":"us-ny","citation":"N.Y. Uniform Commercial Code Law § 9-201","heading":"General Effectiveness of Security Agreement","body":"Section 9--201. General Effectiveness of Security Agreement.\n  (a) General effectiveness. Except as otherwise provided in this\nchapter, a security agreement is effective according to its terms\nbetween the parties, against purchasers of the collateral, and against\ncreditors.\n  (b) Applicable consumer laws and other law. A transaction subject to\nthis article is subject to:\n       (1) any applicable rule of law which establishes a different rule\n           for consumers;\n       (2) any other statute or regulation of this state which regulates\n           the rates, charges, agreements and practices for loans,\n           credit sales or other extensions of credit;\n       (3) any consumer protection statute or regulation of this state.\n  (c) Other applicable law controls. In case of conflict between this\narticle and a rule of law, statute, or regulation described in\nsubsection (b), the rule of law, statute, or regulation controls.\nFailure to comply with a statute or regulation described in subsection\n(b) has only the effect the statute or regulation specifies.\n  (d) Further deference to other applicable law. This article does not:\n       (1) validate any rate, charge, agreement, or practice that\n           violates a rule of law, statute, or regulation described in\n           subsection (b); or\n       (2) extend the application of the rule of law, statute, or\n           regulation to a transaction not otherwise subject to it.","path":["Uniform Commercial Code Law","Article 9. Secured Transactions","Part 2. Effectiveness of Security Agreement; Attachment of Security Interest; Rights of Parties to Security Agreement","Subpart 1. Effectiveness and Attachment"],"source_url":"https://legislation.nysenate.gov/api/3/laws/UCC/9-201","current_through":"2026-09-11","vintage":"","retrieved_at":"2026-09-14T19:32:45Z","sha256":"59935eb92a20a619305c7e819dc444c476e40be09c7cee5e83135634d76e881b","source_id":"us-ny","stale":false,"prev":"us-ny/n.y.-uniform-commercial-code-law-9-110","next":"us-ny/n.y.-uniform-commercial-code-law-9-202"},"notice":"GroundRules: Original legal text. Not legal advice."}