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

Mich. Comp. Laws § 440.9109 (2026)

Scope.

✓ current as of July 2026
Find cases: SyfertCases citing this section MI-LEGlegislature.mi.gov JustiaChapter on Justia CornellLII Search CasesGoogle Scholar

UNIFORM COMMERCIAL CODE


Act 174 of 1962


440.9109 Scope.

Sec. 9109.

    (1) Except as otherwise provided in subsections (3) and (4), this article applies to all of the following:

    (a) A transaction, regardless of its form, that creates a security interest in personal property or fixtures by contract.

    (b) An agricultural lien.

    (c) A sale of accounts, chattel paper, payment intangibles, or promissory notes.

    (d) A consignment.

    (e) A security interest arising under section 2401, 2505, 2711(3), or 2A508(5), as provided in section 9110.

    (f) A security interest arising under section 4210 or 5118.

    (2) The application of this article to a security interest in a secured obligation is not affected by the fact that the obligation is itself secured by a transaction or interest to which this article does not apply.

    (3) This article does not apply to the extent that 1 or more of the following apply:

    (a) A statute, regulation, or treaty of the United States preempts this article.

    (b) Another statute of this state expressly governs the creation, perfection, priority, or enforcement of a security interest created by this state or a governmental unit of this state.

    (c) A statute of another state, a foreign country, or a governmental unit of another state or foreign country, other than a statute generally applicable to security interests, expressly governs creation, perfection, priority, or enforcement of a security interest created by that state, country, or governmental unit.

    (d) The rights of a transferee beneficiary or nominated person under a letter of credit are independent and superior under section 5114.

    (4) This article does not apply to any of the following:

    (a) A landlord's lien, other than an agricultural lien.

    (b) A lien, other than an agricultural lien, given by statute or other rule of law for services or materials, but section 9333 applies with respect to priority of the lien.

    (c) An assignment of a claim for wages, salary, or other compensation of an employee.

    (d) A sale of accounts, chattel paper, payment intangibles, or promissory notes as part of a sale of the business out of which they arose.

    (e) An assignment of accounts, chattel paper, payment intangibles, or promissory notes that is for the purpose of collection only.

    (f) An assignment of a right to payment under a contract to an assignee that is also obligated to perform under the contract.

    (g) An assignment of a single account, payment intangible, or promissory note to an assignee in full or partial satisfaction of a preexisting indebtedness.

    (h) A transfer of an interest in or an assignment of a claim under a policy of insurance, other than an assignment by or to a health-care provider of a health-care-insurance receivable and any subsequent assignment of the right to payment, but sections 9315 and 9322 apply with respect to proceeds and priorities in proceeds.

    (i) An assignment of a right represented by a judgment, other than a judgment taken on a right to payment that was collateral.

    (j) A right of recoupment of set-off, but section 9340 applies with respect to the effectiveness of rights of recoupment or set-off against deposit accounts and section 9404 applies with respect to defenses or claims of an account debtor.

    (k) The creation or transfer of an interest in or lien on real property, including a lease or rents thereunder, except to the extent that provision is made for 1 or more of the following:

    (i) Liens on real property in sections 9203 and 9308.

    (ii) Fixtures in section 9334.

    (iii) Fixture filings in sections 9501, 9502, 9512, 9516, and 9519.

    (iv) Security agreements covering personal and real property in section 9604.

    (l) The creation of or transfer of an interest in or lien on a land contract mortgage governed by sections 6 through 11 of 1879 PA 237, MCL 565.356 to 565.361.

    (m) A transfer by a governmental unit or governmental subdivision or agency.

    (n) An assignment of a claim arising in tort, other than a commercial tort claim, but sections 9315 and 9322 apply with respect to proceeds and priorities in proceeds.

    (o) An assignment of a deposit account in a consumer transaction, but sections 9315 and 9322 apply with respect to proceeds and priorities in proceeds.

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

Notes of Decisions
Cited in 32 cases (6 in the last 5 years), 1972–2026 · leading case: Prime Fin. Servs. LLC v. Vinton, 761 N.W.2d 694 (Mich. Ct. App. 2008).
Sort: Relevance Newest Treatment
Prime Fin. Servs. LLC v. Vinton, 761 N.W.2d 694 (Mich. Ct. App. 2008). · cites it 5× “Instead, MCL 440.9109 (2001), comment 7, provides: Subsection (b) is unchanged in substance from former Section 9-102(3).”
Fodale v. Waste Mgmt. of Michigan, Inc, 718 N.W.2d 827 (Mich. Ct. App. 2006). · cites it 2× “The scope of Article 9 is broad: except for transactions that are specifically excluded by other sections of the code, the 1979 version of Article 9 applied to "any transaction (regardless of its form) which is intended to create a security interest in personal property or…”
Robbins v. Prod. Credit Ass'n of Lansing (In Re Walkington), 62 B.R. 989 (Bankr. W.D. Mich. 1986). · cites it 7× “§ 440.9109] is in the accompanying Official Comment.”
In re Lundy Est., 804 N.W.2d 773 (Mich. Ct. App. 2011). “” MCL 440.9109(l)(a). It governs such things as perfection of security interests, MCL 440.”
Zine v. Chrysler Corp., 600 N.W.2d 384 (Mich. Ct. App. 1999). “6 Language similar to that in the mcpa appears in UCC 9-109(1), MCL 440.9109; MSA 19.9109(1), which defines the term “consumer goods” as those “used or bought for use primarily for personal, family or household purposes.”
Richardson v. Huntington Nat'l Bank (In Re Cyberco Holdings, Inc.), 382 B.R. 118 (Bankr. W.D. Mich. 2008). “Laws §§ 440.9109(l)(a), 440.9203(2)(e)(iv) and 440.”
Richardson v. Countrywide Home Loans (In Re Gregory), 316 B.R. 82 (Bankr. W.D. Mich. 2004). · cites it 29× “Mich. Comp. Laws Ann. § 440.9109 (1)(a). The Mobile Home Commission Act, Mich.”
In Re Adam, 92 B.R. 732 (Bankr. E.D. Mich. 1988). · cites it 2× “The controlling statutory provision as to whether this corn is a farm product is Mich. Comp. Laws § 440.9109 (3); Mich. Stat.”
In Re: Spearing Tool & Mfg. Co., Inc., Debtor. United States of Am. v. Crestmark Bank Crestmark Fin. Corp., 412 F.3d 653 (6th Cir. 2005). “” Mich. Comp. Laws § 440.9109 (l)(a) (emphasis added).”
In Re Johnson, 439 B.R. 416 (Bankr. E.D. Mich. 2010). “Laws § 440.9109(h) (former Mich[.] Comp. Laws § 440.”
Parraway v. Andrews Univ., 50 B.R. 316 (W.D. Mich. 1984). · cites it 2× “Article 9 of the Michigan Uniform Commercial Code, MCLA §§ 440.9109, et seq., is the applicable law regarding the creation of consensual security interests in personal property.”
Bank of the Commonwealth v. Keidan (In Re Video Grp., Inc.), 1 B.R. 624 (Bankr. E.D. Mich. 1979). · cites it 2× “§ 440.9109 which states that: “The principal test to determine whether goods are inventory is that they are held for immediate or ultimate sale.”
Show all 32 citing cases →
— Mich. Comp. Laws § 440.9109(1)(a) — 2 cases
Prime Fin. Servs. LLC v. Vinton, 761 N.W.2d 694 (Mich. Ct. App. 2008). “Instead, MCL 440.9109 (2001), comment 7, provides: Subsection (b) is unchanged in substance from former Section 9-102(3).”
Evangelista v. Silver (Bankr. E.D. Mich. 2022).
— Mich. Comp. Laws § 440.9109(1)(c) — 1 case
D C-Spine Orthopedics Pllc v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2022).
— Mich. Comp. Laws § 440.9109(2) — 4 cases
Prime Fin. Servs. LLC v. Vinton, 761 N.W.2d 694 (Mich. Ct. App. 2008). “Instead, MCL 440.9109 (2001), comment 7, provides: Subsection (b) is unchanged in substance from former Section 9-102(3).”
Matter of Special Abrasives, Inc., 26 B.R. 399 (Bankr. E.D. Mich. 1983).
Cent. Nat'l Bank v. Wonderland Realty Corp., 195 N.W.2d 768 (Mich. Ct. App. 1972).
Powell v. Whirlpool Employees Fed. Credit Union, 201 N.W.2d 683 (Mich. Ct. App. 1972).
— Mich. Comp. Laws § 440.9109(3) — 1 case
Robbins v. Prod. Credit Ass'n of Lansing (In Re Walkington), 62 B.R. 989 (Bankr. W.D. Mich. 1986). “§ 440.9109] is in the accompanying Official Comment.”
— Mich. Comp. Laws § 440.9109(3)(b) — 1 case
Okke v. Okke (In re Okke), 513 B.R. 896 (Bankr. W.D. Mich. 2014).
— Mich. Comp. Laws § 440.9109(4) — 5 cases
Robbins v. Prod. Credit Ass'n of Lansing (In Re Walkington), 62 B.R. 989 (Bankr. W.D. Mich. 1986). “§ 440.9109] is in the accompanying Official Comment.”
Litwiller Mach. & Mfg., Inc v. Nbd Alpena Bank, 457 N.W.2d 163 (Mich. Ct. App. 1990).
Nat'l Bank v. Frydlewicz, 241 N.W.2d 471 (Mich. Ct. App. 1976).
Matter of Special Abrasives, Inc., 26 B.R. 399 (Bankr. E.D. Mich. 1983).
Sears, Roebuck & Co. v. Detroit Fed. Sav. & Loan Ass'n, 262 N.W.2d 831 (Mich. Ct. App. 1977).
— Mich. Comp. Laws § 440.9109(4)(d) — 1 case
Evangelista v. Silver (Bankr. E.D. Mich. 2022).
— Mich. Comp. Laws § 440.9109(4)(k) — 5 cases
Prime Fin. Servs. LLC v. Vinton, 761 N.W.2d 694 (Mich. Ct. App. 2008). “Instead, MCL 440.9109 (2001), comment 7, provides: Subsection (b) is unchanged in substance from former Section 9-102(3).”
Igcfco III LLC v. One Way Loans LLC (Mich. Ct. App. 2024).
C Igcfco III LLC v. One Way Loans LLC (Mich. Ct. App. 2024).
Meoli v. Heartwell Mortg. Corp. (In Re Hoggard), 330 B.R. 595 (Bankr. W.D. Mich. 2005).
Manoushag Al-Raeis v. Aurora Bank Fsb (Mich. Ct. App. 2014).
— Mich. Comp. Laws § 440.9109(4)(k)(iv) — 1 case
C Igcfco III LLC v. One Way Loans LLC (Mich. Ct. App. 2024).
— Mich. Comp. Laws § 440.9109(h) — 1 case
In Re Johnson, 439 B.R. 416 (Bankr. E.D. Mich. 2010). “Laws § 440.9109(h) (former Mich[.] Comp. Laws § 440.”
— Mich. Comp. Laws § 440.9109(l)(a) — 4 cases
In re Lundy Est., 804 N.W.2d 773 (Mich. Ct. App. 2011). “” MCL 440.9109(l)(a). It governs such things as perfection of security interests, MCL 440.”
Richardson v. Huntington Nat'l Bank (In Re Cyberco Holdings, Inc.), 382 B.R. 118 (Bankr. W.D. Mich. 2008). “Laws §§ 440.9109(l)(a), 440.9203(2)(e)(iv) and 440.”
Richardson v. Countrywide Home Loans (In Re Gregory), 316 B.R. 82 (Bankr. W.D. Mich. 2004). “Mich. Comp. Laws Ann. § 440.9109 (1)(a). The Mobile Home Commission Act, Mich.”
Okke v. Okke (In re Okke), 513 B.R. 896 (Bankr. W.D. Mich. 2014).
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.