Iowa Code

Iowa Code § 554.9110 (2026)

Security interests arising under Article 2 or 13

✓ current as of July 2026
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A security interest arising under section 554.2401, 554.2505, 554.2711, subsection 3, or section 554.13508, subsection 5, is subject to this Article. However, until the debtor obtains possession of the goods: 1. the security interest is enforceable, even if section 554.9203, subsection 2, paragraph “c”, has not been satisfied; 2. filing is not required to perfect the security interest; 3. the rights of the secured party after default by the debtor are governed by Article 2 or 13; and 4. the security interest has priority over a conflicting security interest created by the debtor. 2000 Acts, ch 1149, §10, 185, 187 Referred to in §554.9109, 554.9203, 554.9322\n\n 554.9111 Reserved.

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554.9112 through 554.9116 Repealed by 2000 Acts, ch 1149, §185, 187.\n\n PART 2 EFFECTIVENESS OF SECURITY AGREEMENT — ATTACHMENT OF SECURITY INTEREST — RIGHTS OF PARTIES TO SECURITY AGREEMENT\n\n SUBPART A EFFECTIVENESS AND ATTACHMENT

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Notes of Decisions
Cited in 12 cases, 1971–2001 · leading case: First Nat'l Bank in Creston v. Francis, 342 N.W.2d 468 (Iowa 1984).
First Nat'l Bank in Creston v. Francis, 342 N.W.2d 468 (Iowa 1984). · cites it 18× “Thus, a person securing crops, as distinguished from other personal property, must include a description of the real estate where the crops are produced or located.”
Cent. Iowa Prod. Credit Ass'n v. DeSchamp (In Re DeSchamp), 44 B.R. 517 (Bankr. D. Iowa 1984). · cites it 6× “§§ 554.9110, 554.9402(1) Code of Iowa (1983).”
In Re Waters, 90 B.R. 946 (Bankr. D. Iowa 1988). · cites it 3× “” Iowa Code § 554.9110 provides: “For the purpose of this Article any description of personal property or real estate is sufficient whether or not it is specific if it reasonably identifies what is described.”
Matter of Rogers, 6 B.R. 472 (Bankr. S.D. Iowa 1980). · cites it 2× “See Section 554.9110, Code of Iowa (1979). GMAC is entitled to have the value of its secured claim determined as of the effective date of the plan.”
First State Bank of Nora Springs v. Waychus, 183 N.W.2d 728 (Iowa 1971). · cites it 4× “relates to formal requisites, it is section 554.9110 which controls the sufficiency of the description.”
C & H Farm Serv. Co. of Iowa v. Farmers Sav. Bank, 449 N.W.2d 866 (Iowa 1989). · cites it 2× “” Iowa Code § 554.9110 . The first alleged security interest in crops growing or to be grown on the land Schellhorns farmed arose in 1980.”
Kenney v. Landis Fin. Grp., Inc., 349 F. Supp. 939 (N.D. Iowa 1972). · cites it 2× “Iowa Code § 554.9110 . 7 . U.C.C. § 9-110 uses the adjective “reasonable,” section 226.”
First State Bank v. Shirley Ag Serv., Inc., 417 N.W.2d 448 (Iowa 1987). · cites it 2× “Relatedly, Iowa Code section 554.9110 (1983) states that “[f]or the purposes of this Article any description of .”
Lisbon Bank & Trust Co. v. Commodity Credit Corp., 679 F. Supp. 903 (N.D. Iowa 1987). · cites it 2× “The phrase "contract rights” fairly describes the Ger-demanns’ entitlement to the program payments and makes possible the identification of the program payment as secured property.”
Merchants Nat'l Bank of Cedar Rapids v. Halberstadt, 425 N.W.2d 429 (Iowa Ct. App. 1988). · cites it 2× “Iowa Code section 554.9110 states that “any description of personal property or real estate is sufficient whether or not it is specific if it reasonably identifies what is described.”
In Re McAllister, 267 B.R. 614 (Bankr. D. Iowa 2001). · cites it 2× “It asserts that Ag Services never had a PMSI because its security agreement does not specifically describe the collateral for which it claims a PMSI. One of the formal requirements of a valid security agreement is that it must contain a description of the collateral.”
Terpstra v. Michelosen (In Re Prod. Design & Fabrication, Inc.), 182 B.R. 803 (Bankr. D. Iowa 1994). · cites it 2× “2d 448, 451 (Iowa 1987); Iowa Code § 554.9110 . The description must do the job assigned to it; it must “make possible the identification of the thing described.”
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