N.Y. Uniform Commercial Code Law Section 9-605
Unknown Debtor or Secondary Obligor

* Section 9--605. Unknown Debtor or Secondary Obligor. A secured party does not owe a duty based on its status as secured party:

(a)

to a person that is a debtor or obligor, unless the secured party knows:

(1)

that the person is a debtor or obligor;

(2)

the identity of the person; and

(3)

how to communicate with the person; or

(b)

to a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows:

(1)

that the person is a debtor; and

(2)

the identity of the person. * NB Effective until June 3, 2026 * Section 9--605. Unknown Debtor or Secondary Obligor.

(a)

In general: No duty owed by secured party. Except as provided in subsection (b), a secured party does not owe a duty based on its status as secured party:

(1)

to a person that is a debtor or obligor, unless the secured party knows: (A) that the person is a debtor or obligor; (B) the identity of the person; and (C) how to communicate with the person; or

(2)

to a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows: (A) that the person is a debtor; and (B) the identity of the person.

(b)

Exception: Secured party owes duty to debtor or obligor. A secured party owes a duty based on its status as a secured party to a person if, at the time the secured party obtains control of collateral that is a controllable account, controllable electronic record, or controllable payment intangible or at the time the security interest attaches to the collateral, whichever is later:

(1)

the person is a debtor or obligor; and

(2)

the secured party knows that the information in subsection (a)(1)(A), (B), or (C) relating to the person is not provided by the collateral, a record attached to or logically associated with the collateral, or the system in which the collateral is recorded. * NB Effective June 3, 2026

Source: Section 9-605 — Unknown Debtor or Secondary Obligor, https://www.nysenate.gov/legislation/laws/UCC/9-605 (updated Dec. 12, 2025; accessed Dec. 13, 2025).

9–601
Rights after Default 9–602
Waiver and Variance of Rights and Duties 9–603
Agreement on Standards Concerning Rights and Duties 9–604
Procedure If Security Agreement Covers Real Property, Fixtures, or Cooperative Interests 9–605
Unknown Debtor or Secondary Obligor 9–606
Time of Default for Agricultural Lien 9–607
Collection and Enforcement by Secured Party 9–608
Application of Proceeds of Collection or Enforcement 9–609
Secured Party’s Right to Take Possession after Default 9–610
Disposition of Collateral after Default 9–611
Notification Before Disposition of Collateral 9–612
Timeliness of Notification Before Disposition of Collateral 9–613
Contents and Form of Notification Before Disposition of Collateral: General 9–614
Contents and Form of Notification Before Disposition of Collateral: Consumer-goods Transaction 9–615
Application of Proceeds of Disposition 9–616
Explanation of Calculation of Surplus or Deficiency 9–617
Rights of Transferee of Collateral 9–618
Rights and Duties of Certain Secondary Obligors 9–619
Transfer of Record or Legal Title 9–620
Acceptance of Collateral in Full or Partial Satisfaction of Obligation 9–621
Notification of Proposal to Accept Collateral 9–622
Effect of Acceptance of Collateral 9–623
Right to Redeem Collateral 9–624
Waiver

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Colorado:	C.R.S.
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Nevada:	NRS
New York:	Laws
Oregon:	OAR, ORS
Texas:	Statutes
World:	Rome Statute, International Dictionary

N.Y. Uniform Commercial Code Law Section 9-605 Unknown Debtor or Secondary Obligor

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(b)

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N.Y. Uniform Commercial Code Law Section 9-605
Unknown Debtor or Secondary Obligor