NY UCC § 9-516 (2021)
2021 New York Laws UCC - Uniform Commercial Code Article 9 - Secured Transactions Part 5 - Filing Sub Part 1 - Filing Office; Contents and Effectiveness of Financing Statement 9-516 - What Constitutes Filing; Effectiveness of Filing

Section 9--516. What Constitutes Filing; Effectiveness of Filing.  (a) What   constitutes   filing.   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) Refusal to accept record; filing does not occur. 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 correction statement,  the                record:               (i) does  not identify the initial financing statement as                    required by Section 9--512 or 9--518, as  applicable;                    or               (ii) identifies  an  initial  financing  statement  whose                     effectiveness has lapsed under Section 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  last                name; or           (D) in  the  case  of  a  record  filed  in the filing office                described in Section 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  debtor  is  an  individual  or  an                organization;           (C) if  the  financing statement indicates that the debtor is                an organization, provide:               (i) a type of organization for the debtor, or               (ii) a jurisdiction of organization for the debtor; or       (6) in  the  case  of  an  assignment  reflected  in  an  initial            financing  statement  under Section 9--514(a) or an amendment            filed under Section 9--514(b), the record does not provide  a            name and mailing address for the assignee; or       (7) in  the  case  of a continuation statement, the record is not            filed within  the  six-month  period  prescribed  by  Section            9--515(d).  (c) Rules  applicable  to  subsection  (b). 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  Section  9--512,  9--514,  or 9--518, is an            initial financing statement.  (d) Refusal to accept record; record  effective  as  filed  record.  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.  (e) Special  rule  for  cooperative  interests;  record  effective  as notice.    A  filing  that  includes  a  cooperative addendum covering a cooperative interest constitutes notice of the existence of the security interest in the cooperative interest as of the date of the filing of the cooperative addendum, except as against a purchaser  of  the  collateral which  gives value in reasonable reliance upon the absence of the record from the files.