Iowa Code
Iowa Code § 554.9612 (2026)
Timeliness of notification before disposition of collateral
✓ current as of July 2026
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1. Reasonable time is question of fact. Except as otherwise provided in subsection 2, whether a notification is sent within a reasonable time is a question of fact.
2. Ten-day period sufficient in nonconsumer transaction. In a transaction other than a consumer transaction, a notification of disposition sent after default and ten days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition. 2000 Acts, ch 1149, §110, 187 \n
Notes of Decisions
Cited in 2
cases, 2013–2020 · leading case: Gen. Elec. Capital Corp. v. FPL Serv. Corp., 986 F. Supp. 2d 1029 (N.D. Iowa 2013).
Gen. Elec. Capital Corp. v. FPL Serv. Corp., 986 F. Supp. 2d 1029 (N.D. Iowa 2013). “This notification was timely because GECC sent it “after default and ten days or more before the earliest time of disposition set forth in the notification____” Iowa Code § 554.9612 (2). It also provided sufficient information for a private sale notification, as outlined in Iowa…”
RSB Ent., LLC d/b/a Plaza Bowl & Richard J. Moores v. Heritage Bank, N.A. (Iowa Ct. App. 2020). “Further, the district court found the notice to be timely with respect to section 554.9612. However, Heritage Bank provided RSB notice of disposition after it entered into the purchase agreement.”
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