Web Reference: Learn how secured transactions law governs the creation, perfection, priority, and enforcement of security interests in personal property. Find out the key concepts, terms, and procedures of Article 9 of the Uniform Commercial Code. A secured transaction is a loan or a credit transaction in which the lender acquires a security interest in collateral owned by the borrower. Learn about the types of collateral, the benefits of becoming a secured creditor, and the legal implications of secured transactions in bankruptcy proceedings. Mar 18, 2026 · A secured transaction is any deal where a borrower pledges specific property as collateral to back a loan or credit obligation. If the borrower stops paying, the lender can seize and sell that property instead of chasing the debt through general collection.
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