Iowa Code » Chapter 554 — UNIFORM COMMERCIAL CODE
Iowa Code

Iowa Code § 554.9401 (2026)

Alienability of debtor’s rights

✓ current as of July 2026
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1. Other law governs alienability — exceptions. Except as otherwise provided in subsection 2 and sections 554.9406, 554.9407, 554.9408, and 554.9409, whether a debtor’s rights in collateral may be voluntarily or involuntarily transferred is governed by law other than this Article.

2. Agreement does not prevent transfer. An agreement between the debtor and secured party which prohibits a transfer of the debtor’s rights in collateral or makes the transfer a default does not prevent the transfer from taking effect. 2000 Acts, ch 1149, §63, 185, 187 \n

Notes of Decisions
Cited in 10 cases, 1977–1989 · leading case: State Sav. Bank of Hornick v. Onawa State Bank of Onawa, 368 N.W.2d 161 (Iowa 1985).
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State Sav. Bank of Hornick v. Onawa State Bank of Onawa, 368 N.W.2d 161 (Iowa 1985). · cites it 15× “Unlike section 554.9401 which specifies the proper place to file a financing statement to perfect a security interest, section 554.”
Hubbard Milling Co. v. Citizens State Bank, 385 N.W.2d 255 (Iowa 1986). · cites it 2× “Iowa Code § 554.9401 (c). In October 1981, plaintiff Hubbard prepared a proposed subordination agreement between it and Citizens.”
First Trust & Sav. Bank of Moville v. Guthridge, 445 N.W.2d 401 (Iowa Ct. App. 1989). · cites it 4× “Iowa Code § 554.9401 (1989). Appellant contends the feed bunks were fixtures and the Bank was required to perfect its interest by a fixture filing in the office of the County Recorder pursuant to Iowa Code section 554.”
First Nat'l Bank in Lenox v. Lamoni Livestock Sales Co., 417 N.W.2d 443 (Iowa 1987). · cites it 2× “See Iowa Code § 554.9401 (l)(c). In January 1982, Parker’s outstanding loans with Lenox were consolidated into one master promissory note totaling $155,-000 with payment due January 19, 1983.”
Fed. Land Bank of Omaha v. Lower, 421 N.W.2d 126 (Iowa 1988). · cites it 2× “Contrary to the implication of the Lowers’ argument, we think the UCC lien perfection procedure, Iowa Code section 554.9401(l)(c), is inapplicable here.”
Zweibahmer v. Farmers Home Admin. (In Re Zweibahmer), 25 B.R. 453 (Bankr. D. Iowa 1982). · cites it 2× “Iowa Code §§ 554.9401 , 554.9403 (1981). 2 .”
Sec. Sav. Bank of Marshalltown, Iowa v. United States, 440 F. Supp. 444 (S.D. Iowa 1977). · cites it 2× “First, this section is apparently limited to those types of collateral for which perfection can only be had by following the “filing” procedure outlined in Sections 554.9401 et seq. of the Iowa Code.”
In Re Irving A. Horns Farms Inc., 42 B.R. 832 (Bankr. D. Iowa 1984). “Thorp has not proven that it has a properly perfected security interest in the Debtor-in-Possession's livestock and equipment. While the record reflects a security agreement between the parties, it is entirely void of any financing statement filed with the Secretary of State as…”
Exch. Bank of Osceola v. Jarrett, 588 P.2d 1006 (Mont. 1979). “On April 4, 1977 (within four months from the date the tractor arrived in Iowa) the bank filed a financing statement in Iowa, pursuant to Iowa Code § 554.9401 . Thereafter, plaintiff filed the same financing statement with the Montana Secretary of State.”
Hollinrake v. Fed. Land Bank (In Re Hollinrake), 93 B.R. 183 (Bankr. S.D. Iowa 1988). · cites it 2× “The Lower court went on to observe that the UCC lien perfection procedure found at section 554.9401(l)(c) was inapplicable under the circumstances because the court was determining the validity of an instrument as between the parties to it, not as to any third party.”
— Iowa Code § 554.9401(2) — 1 case
State Sav. Bank of Hornick v. Onawa State Bank of Onawa, 368 N.W.2d 161 (Iowa 1985). “Unlike section 554.9401 which specifies the proper place to file a financing statement to perfect a security interest, section 554.”
— Iowa Code § 554.9401(l)(c) — 3 cases
Fed. Land Bank of Omaha v. Lower, 421 N.W.2d 126 (Iowa 1988). “Contrary to the implication of the Lowers’ argument, we think the UCC lien perfection procedure, Iowa Code section 554.9401(l)(c), is inapplicable here.”
In Re Irving A. Horns Farms Inc., 42 B.R. 832 (Bankr. D. Iowa 1984). “Thorp has not proven that it has a properly perfected security interest in the Debtor-in-Possession's livestock and equipment. While the record reflects a security agreement between the parties, it is entirely void of any financing statement filed with the Secretary of State as…”
Hollinrake v. Fed. Land Bank (In Re Hollinrake), 93 B.R. 183 (Bankr. S.D. Iowa 1988). “The Lower court went on to observe that the UCC lien perfection procedure found at section 554.9401(l)(c) was inapplicable under the circumstances because the court was determining the validity of an instrument as between the parties to it, not as to any third party.”
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