Mich. Comp. Laws » Michigan Compiled Laws / Chapter 440 / Act 174 of 1962
Michigan Compiled Laws

Mich. Comp. Laws § 440.9108 (2026)

Sufficiency of description.

✓ current as of July 2026
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UNIFORM COMMERCIAL CODE


Act 174 of 1962


440.9108 Sufficiency of description.

Sec. 9108.

    (1) Except as otherwise provided in subsections (3), (4), and (5), a description of personal or real property is sufficient, whether or not it is specific, if it reasonably identifies what is described.

    (2) Except as otherwise provided in subsection (4), a description of collateral reasonably identifies the collateral if it identifies the collateral by 1 or more of the following:

    (a) Specific listing.

    (b) Category.

    (c) Except as otherwise provided in subsection (5), a type of collateral defined in the uniform commercial code.

    (d) Quantity.

    (e) Computational or allocational formula or procedure.

    (f) Except as otherwise provided in subsection (3), any other method, if the identity of the collateral is objectively determinable.

    (3) A description of collateral as "all the debtor's assets" or "all the debtor's personal property" or using words of similar import does not reasonably identify the collateral.

    (4) Except as otherwise provided in subsection (5), a description of a security entitlement, securities account, or commodity account is sufficient if it describes 1 or more of the following:

    (a) The collateral by the term security entitlement, securities account, or commodity account, or as investment property.

    (b) The underlying financial asset or commodity contract.

    (5) A description only by type of collateral defined in the uniform commercial code is an insufficient description of either of the following:

    (a) A commercial tort claim.

    (b) In a consumer transaction, consumer goods, a security entitlement, a securities account, or a commodity account.

History: 1962, Act 174, Eff. Jan. 1, 1964 ;-- Am. 2000, Act 348, Eff. July 1, 2001

Notes of Decisions
Cited in 4 cases, 1977–2015 · leading case: Boyd v. Direct Capital Corp. (In Re Pizzano), 439 B.R. 445 (Bankr. W.D. Mich. 2010).
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Boyd v. Direct Capital Corp. (In Re Pizzano), 439 B.R. 445 (Bankr. W.D. Mich. 2010). “§ 440.9108. The statutory exceptions to the typical collateral descriptions are as follows: (c) Supergeneric description not sufficient.”
D & L Equip. Inc. v. Wells Fargo Equip. Fin., Inc. (In Re D & L Equip. Inc.), 457 B.R. 616 (E.D. Mich. 2011). · cites it 8× “” Mich. Comp. Laws § 440.9504 . This latter UCC provision, in turn, states that “a description of personal or real property is sufficient, whether or not it is specific, if it reasonably identifies what is described,” Mich.”
New Prods. Corp. v. Tibble (In re Modern Plastics Corp.), 534 B.R. 723 (Bankr. W.D. Mich. 2015). “§ 440.9108(5) (for commercial tort claims, a description only by type of collateral defined in the UCC is an insufficient description).”
Sears, Roebuck & Co. v. Detroit Fed. Sav. & Loan Ass'n, 262 N.W.2d 831 (Mich. Ct. App. 1977). “Sections 9108 and 9204 of the Uniform Commercial Code (MCLA 440.9108; MSA 19.9108 and MCLA 440.9204[3]; MSA 19.”
— Mich. Comp. Laws § 440.9108(5) — 1 case
New Prods. Corp. v. Tibble (In re Modern Plastics Corp.), 534 B.R. 723 (Bankr. W.D. Mich. 2015). “§ 440.9108(5) (for commercial tort claims, a description only by type of collateral defined in the UCC is an insufficient description).”
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