Section 47-9-516 - What constitutes filing - Effectiveness of filing(a)What constitutes filing. Except as otherwise provided in subsection (b), communication of a record to a filing office and tender of the filing fee or acceptance of the record by the filing office constitutes filing.(b)Refusal to accept record; filing does not occur. Filing does not occur with respect to a record that a filing office refuses to accept because:(1) The record is not communicated by a method or medium of communication authorized by the filing office;(2) The amount that is tendered is not equal to or greater than the sum of the applicable filing fee plus recording tax under § 67-4-409(b), if any, based on the representation of indebtedness required thereunder;(3) The filing office is unable to index the record because: (A) In the case of an initial financing statement, the record does not provide a name for the debtor;(B) In the case of an amendment or information statement, the record: (i) Does not identify the initial financing statement as required by § 47-9-512 or § 47-9-518, as applicable; or(ii) Identifies an initial financing statement whose effectiveness has lapsed under § 47-9-515;(C) In the case of an initial financing statement that provides the name of a debtor identified as an individual or an amendment that provides a name of a debtor identified as an individual which was not previously provided in the financing statement to which the record relates, the record does not identify the debtor's surname; or(D) In the case of a record filed in the filing office described in § 47-9-501(a)(1), the record does not provide the name of the debtor and a sufficient description of the real property to which it relates;(4) In the case of an initial financing statement or an amendment that adds a secured party of record, the record does not provide a name and mailing address for the secured party of record;(5) In the case of an initial financing statement or an amendment that provides a name of a debtor which was not previously provided in the financing statement to which the amendment relates, the record does not:(A) Provide a mailing address for the debtor; or(B) Indicate whether the name provided as the name of the debtor is the name of an individual or an organization;(6) In the case of an assignment reflected in an initial financing statement under § 47-9-514(a) or an amendment filed under § 47-9-514(b), the record does not provide a name and mailing address for the assignee;(7) In the case of a continuation statement, the record is not filed within the six-month period prescribed by § 47-9-515(d); or(8) The record does not contain, either on its face or in an accompanying sworn statement, the language required under § 67-4-409(b)(6)(C) with respect to the recording tax imposed under § 67-4-409(b), if any.(c)Rules applicable to subsection (b). For purposes of subsection (b): (1) A record does not provide information if the filing office is unable to read or decipher the information; and(2) A record that does not indicate that it is an amendment or identify an initial financing statement to which it relates, as required by § 47-9-512, § 47-9-514, or § 47-9-518, is an initial financing statement.(d)Refusal to accept record; record effective as filed record. A record that is communicated to the filing office with tender of the filing fee, but which the filing office refuses to accept for a reason other than one set forth in subsection (b), is effective as a filed record except as against a purchaser of the collateral which gives value in reasonable reliance upon the absence of the record from the files.Acts 2000, ch. 846, § 1; 2008 , ch. 648, § 2; 2012 , ch. 708, § 16.