Wisconsin Statutes
Wis. Stat. § 409.308 (2026)
When security interest or agricultural lien is perfected; continuity of perfection
✓ current as of July 2026
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409.308(1)(1) Perfection of security interest. Except as otherwise provided in this section and s. 409.309, a security interest is perfected if it has attached and all of the applicable requirements for perfection in ss. 409.310 to 409.316 have been satisfied. A security interest is perfected when it attaches if the applicable requirements are satisfied before the security interest attaches.
409.308(2)(2) Perfection of agricultural lien. An agricultural lien is perfected if it has become effective and all of the applicable requirements for perfection in s. 409.310 have been satisfied. An agricultural lien is perfected when it becomes effective if the applicable requirements are satisfied before the agricultural lien becomes effective.
409.308(3)(3) Continuous perfection; perfection by different methods. A security interest or agricultural lien is perfected continuously if it is originally perfected by one method under this chapter and is later perfected by another method under this chapter, without an intermediate period when it was unperfected.
409.308(4)(4) Supporting obligation. Perfection of a security interest in collateral also perfects a security interest in a supporting obligation for the collateral.
409.308(5)(5) Lien securing right to payment. Perfection of a security interest in a right to payment or performance also perfects a security interest in a security interest, mortgage, or other lien on personal or real property securing the right.
409.308(6)(6) Security entitlement carried in securities account. Perfection of a security interest in a securities account also perfects a security interest in the security entitlements carried in the securities account.
409.308(7)(7) Commodity contract carried in commodity account. Perfection of a security interest in a commodity account also perfects a security interest in the commodity contracts carried in the commodity account.
Notes of Decisions
Cited in 5
cases (1 in the last 5 years), 2014–2021 · leading case: Attorney's Title Guar. Fund, Inc. v. Town Bank, 2014 WI 63 (Wis. 2014).
Attorney's Title Guar. Fund, Inc. v. Town Bank, 2014 WI 63 (Wis. 2014). “Wis. Stat. § 409.308 ; Daniel v. Bank of Hayward, 144 Wis.”
Associated Bank N.A. v. Jack W. Collier, 2014 WI 62 (Wis. 2014). “§ 409.308 . These "applicable requirements" vary depending on the type of collateral, but the general rule is that "a financing statement must be filed to perfect all security interests.”
Larry H. Liebzeit v. Intercity State Bank, FSB, 819 F.3d 981 (7th Cir. 2016). “” Wis. Stat. § 409.308 (5). This provision creates a Revised Article 9 analogue to the familiar *988 concept that the mortgage follows the note: if the lender perfects a security interest in a right to payments, then it has also perfected a security interest on the lien on real…”
Stacey L Friedrich (Bankr. W.D. Wis. 2020). “Wis. Stat. § 409.308 (1). The statutory perfection requirements depend on the type of collateral, but generally, “a financing statement must be filed to perfect all security interests[.”
Zachery R Leaver (Bankr. W.D. Wis. 2021). “Sections 409.308, 409.310, and 409.310(2)(d) obviated the need to describe the collateral while it was in possession of Hillside.”
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