Wisconsin Statutes

Wis. Stat. § 409.310 (2026)

When filing required to perfect security interest or agricultural lien; security interests and agricultural liens to which filing provisions do not apply

✓ current as of July 2026
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409.310409.310When filing required to perfect security interest or agricultural lien; security interests and agricultural liens to which filing provisions do not apply.
409.310(1)(1)General rule: perfection by filing. Except as otherwise provided in sub. (2) and s. 409.312 (2), a financing statement must be filed to perfect all security interests and agricultural liens.
409.310(2)(2)Exceptions: filing not necessary. The filing of a financing statement is not necessary to perfect a security interest:
409.310(2)(a)(a) That is perfected under s. 409.308 (4), (5), (6), or (7);
409.310(2)(b)(b) That is perfected under s. 409.309 when it attaches;
409.310(2)(c)(c) In property subject to a statute, regulation, or treaty described in s. 409.311 (1);
409.310(2)(d)(d) In goods in possession of a bailee which is perfected under s. 409.312 (4) (a) or (b);
409.310(2)(e)(e) In certificated securities, documents, goods, or instruments which is perfected without filing, control, or possession under s. 409.312 (5), (6), or (7);
409.310(2)(f)(f) In collateral in the secured party’s possession under s. 409.313;
409.310(2)(g)(g) In a certificated security which is perfected by delivery of the security certificate to the secured party under s. 409.313;
409.310(2)(h)(h) In deposit accounts, electronic chattel paper, electronic documents, investment property, or letter-of-credit rights which is perfected by control under s. 409.314;
409.310(2)(i)(i) In proceeds which is perfected under s. 409.315; or
409.310(2)(j)(j) That is perfected under s. 409.316.
409.310(3)(3)Assignment of perfected security interest. If a secured party assigns a perfected security interest or agricultural lien, a filing under this chapter is not required to continue the perfected status of the security interest against creditors of and transferees from the original debtor.
409.310 HistoryHistory: 2001 a. 10; 2009 a. 322.
Notes of Decisions
Cited in 10 cases (1 in the last 5 years), 1992–2021 · 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). · cites it 4× “" Wis. Stat. § 409.310 (1); Smith & Spidahl Enters.”
M & I W. State Bank v. Wilson, 493 N.W.2d 387 (Wis. Ct. App. 1992). · cites it 9× “, we next must examine whether the conditional release destroyed the lien's priority under sec. 409.310, Stats. Neither party addressed this issue, but commentary and cases interpreting Uniform Commercial Code § 9-310, the model upon which sec.”
Associated Bank N.A. v. Jack W. Collier, 2014 WI 62 (Wis. 2014). · cites it 2× “" § 409.310(1). See Attorney's Title Guaranty Fund, Inc.”
Arthur Glick Truck Sales, Inc. v. Stuphen East Corp., 914 F. Supp. 2d 529 (S.D.N.Y. 2012). · cites it 4× “Law §§ 9-310 (a), 9-317(e); Wis. Stat. Ann. §§ 409.310 (1), 409.317(5).”
Rameker v. Farmers State Bank (In Re Lynch), 313 B.R. 798 (Bankr. W.D. Wis. 2004). “Wis. Stat. 409.310. When filing required to perfect security interest .”
Premier Cmty. Bank v. Schuh, 2010 WI App 111 (Wis. Ct. App. 2010). · cites it 2× “See Wis. Stat. § 409.310 (1). To hold otherwise, it claims, would reintroduce "the specter of secret liens to agricultural lending" and drive up the cost of loans.”
Herrell v. DeCora (In Re DeCora), 387 B.R. 230 (Bankr. W.D. Wis. 2008). · cites it 4× “See Wis. Stat. §§ 409.310 and 409.501(b); Hanley Implement Co.”
Lanser v. First Bank Fin. Centre (In re Vorobil), 568 B.R. 797 (Bankr. E.D. Wis. 2017). · cites it 2× “Accordingly, under Wis. Stat. § 409.310 , the Bank was required to file a financing statement to perfect its security interest in the renewal commissions.”
Stacey L Friedrich (Bankr. W.D. Wis. 2020). · cites it 2× “]” Wis. Stat. § 409.310 (1). Perfection requires attachment of the security interest.”
Zachery R Leaver (Bankr. W.D. Wis. 2021). · cites it 2× “But because possession was relinquished, the function of the description requirement in section 409.310(1) [regarding financing statements] to put third parties on notice of the secured creditor's claim is not met.”
— Wis. Stat. § 409.310(1) — 2 cases
Associated Bank N.A. v. Jack W. Collier, 2014 WI 62 (Wis. 2014). “" § 409.310(1). See Attorney's Title Guaranty Fund, Inc.”
Zachery R Leaver (Bankr. W.D. Wis. 2021). “But because possession was relinquished, the function of the description requirement in section 409.310(1) [regarding financing statements] to put third parties on notice of the secured creditor's claim is not met.”
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