What constitutes filing — effectiveness of filing.

1. What constitutes filing. Except as otherwise provided in subsection 2 , 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. 2. 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: a. the record is not communicated by a method or medium of communication authorized by the filing office; b. an amount equal to or greater than the applicable filing fee is not tendered; c. the filing office is unable to index the record because: (1) in the case of an initial financing statement, the record does not provide a name for the debtor; (2) in the case of an amendment or information statement, the record: (a) does not identify the initial financing statement as required by section 554.9512 or 554.9518 , as applicable; or (b) identifies an initial financing statement whose effectiveness has lapsed under section 554.9515 ; (3) 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 (4) in the case of a record filed or recorded in the filing office described in section 554.9501, subsection 1 , paragraph “a” , the record does not provide a sufficient description of the real property to which it relates; d. 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; e. 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: (1) provide a mailing address for the debtor; or (2) indicate whether the name provided as the name of the debtor is the name of an individual or an organization; f. in the case of an assignment reflected in an initial financing statement under section 554.9514, subsection 1 , or an amendment filed under section 554.9514, subsection 2 , the record does not provide a name and mailing address for the assignee; or g. in the case of a continuation statement, the record is not filed within the six-month period prescribed by section 554.9515, subsection 4 . 3. Rules applicable to subsection 2 . For purposes of subsection 2 : a. a record does not provide information if the filing office is unable to read or decipher the information; and b. 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 554.9512 , 554.9514 , or 554.9518 , is an initial financing statement. 4. 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 2 , 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. 2000 Acts, ch 1149, §87, 187 ; 2012 Acts, ch 1052, §18 – 20, 37 Referred to in §554.9109 , 554.9338 , 554.9520 , 554.9521 , 570A.4 , 571.3 , 579A.2 , 579B.4 , 581.3