AR Code § 4-9-516 (2020)
2020 Arkansas Code|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|§ 4-9-516. What constitutes filing — Effectiveness of filing

 (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.  (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 information statement, the record:  (i) does not identify the initial financing statement as required by § 4-9-512 or § 4-9-518, as applicable; or  (ii) identifies an initial financing statement whose effectiveness has lapsed under § 4-9-515;    (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 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;    (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 § 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;  (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  (8) in the case of a financing statement, the filing office determines that the financing statement is fraudulent under § 4-9-520(e).    (c) For purposes of subsection (b):  (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 § 4-9-512, § 4-9-514, or § 4-9-518, 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), 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.