Mississippi Code
Miss. Code Ann. § 75-9-108 (2026)
Sufficiency of description
✓ current as of July 2026
- (a) Except as otherwise provided in subsections (c), (d), and (e), a description of personal or real property is sufficient, whether or not it is specific, if it reasonably identifies what is described.
- (b) Except as otherwise provided in subsection (d), a description of collateral reasonably identifies the collateral if it identifies the collateral by:
- (1) Specific listing;
- (2) Category;
- (3) Except as otherwise provided in subsection (e), a type of collateral defined in the Uniform Commercial Code;
- (4) Quantity;
- (5) Computational or allocational formula or procedure; or
- (6) Except as otherwise provided in subsection (c), any other method, if the identity of the collateral is objectively determinable.
- (c) 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.
- (d) Except as otherwise provided in subsection (e), a description of a security entitlement, securities account, or commodity account is sufficient if it describes:
- (1) The collateral by those terms or as investment property; or
- (2) The underlying financial asset or commodity contract.
- (e) A description only by type of collateral defined in the Uniform Commercial Code is an insufficient description of:
- (1) A commercial tort claim; or
- (2) In a consumer transaction, consumer goods, a security entitlement, a securities account, or a commodity account.
Former 1972 Code § 75-9-108 [Codes, 1942, § 41A:9-108; Laws, 1966, ch. 316, § 9-108] was deleted by Laws, 2001, ch. 495, § 2. Present § 75-9-108 derived from former 1972 Code §§ 75-9-110 [Codes, 1942, § 41A:9-110; Laws, 1966, ch. 316, § 9-110] and 75-9-115 [Laws, 1996, ch. 468, § 59] and was enacted by Laws, 2001, ch. 495, § 1, eff. 1/1/2002.
Notes of Decisions
Cited in 2
cases, 1993–2011 · leading case: O & G Leasing, LLC v. First Sec. Bank (In Re O & G Leasing, LLC), 456 B.R. 652 (Bankr. S.D. Miss. 2011).
O & G Leasing, LLC v. First Sec. Bank (In Re O & G Leasing, LLC), 456 B.R. 652 (Bankr. S.D. Miss. 2011). “Miss.Code § 75-9-108(a) & (b) (1972). “Any description of collateral is sufficient, even if it is not specific, so long as it reasonably identifies what is described.”
First Bank v. E. Livestock Co., 837 F. Supp. 792 (S.D. Miss. 1993). “1971); Miss.Code Ann. § 75-9-108; § 75-9-204. Contrary to the Bank’s apparent impression, Eastern does not contend that First Bank could not have acquired and perfected a security interest in after-acquired cattle.”
Miss. Code Ann. § 75-9-108(a): 1 case
O & G Leasing, LLC v. First Sec. Bank (In Re O & G Leasing, LLC), 456 B.R. 652 (Bankr. S.D. Miss. 2011). “Miss.Code § 75-9-108(a) & (b) (1972). “Any description of collateral is sufficient, even if it is not specific, so long as it reasonably identifies what is described.”
Miss. Code Ann. § 75-9-108(e): 1 case
O & G Leasing, LLC v. First Sec. Bank (In Re O & G Leasing, LLC), 456 B.R. 652 (Bankr. S.D. Miss. 2011). “Miss.Code § 75-9-108(a) & (b) (1972). “Any description of collateral is sufficient, even if it is not specific, so long as it reasonably identifies what is described.”
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