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<law><site_title>Virginia Decoded</site_title><site_url>https://vacode.org</site_url><law_id>82128</law_id><section_number>8.9A-108</section_number><catch_line>Sufficiency of description</catch_line><edition url="https://vacode.org/2025/" slug="2025" current="TRUE" last_updated="">2025</edition><referred_to_by><reference>8.9A-504</reference></referred_to_by><structure><unit label="title" level="1" order_by="1" identifier="8.9A">Commercial Code &#x2014; Secured Transactions</unit><unit label="part" level="2" order_by="1" identifier="1">General Provisions</unit><unit label="subpart" level="3" order_by="1" identifier="1">Short Title, Definitions and General Concepts</unit></structure><text>
						<section id="a"><p><span class="prefix-number">a.</span> Sufficiency of description. Except as otherwise provided in subsections (c), (d), and (e), a description of personal or real property is sufficient, whether or not it is specific, if it reasonably identifies what is described. <a id="paragraph-294328" class="section-permalink" href="https://vacode.org/8.9A-108/#a"><i class="fa fa-link"/></a></p></section>
						<section id="b"><p><span class="prefix-number">b.</span> Examples of reasonable identification. Except as otherwise provided in subsection (d), a description of <span class="dictionary">collateral</span> reasonably identifies the <span class="dictionary">collateral</span> if it identifies the <span class="dictionary">collateral</span> by: <a id="paragraph-294329" class="section-permalink" href="https://vacode.org/8.9A-108/#b"><i class="fa fa-link"/></a></p></section>
						<section id="b1" class="indent-1"><p><span class="prefix-number">1.</span> specific listing; <a id="paragraph-294330" class="section-permalink" href="https://vacode.org/8.9A-108/#b1"><i class="fa fa-link"/></a></p></section>
						<section id="b2" class="indent-1"><p><span class="prefix-number">2.</span> category; <a id="paragraph-294331" class="section-permalink" href="https://vacode.org/8.9A-108/#b2"><i class="fa fa-link"/></a></p></section>
						<section id="b3" class="indent-1"><p><span class="prefix-number">3.</span> except as otherwise provided in subsection (e), a type of <span class="dictionary">collateral</span> defined in the Uniform Commercial Code; <a id="paragraph-294332" class="section-permalink" href="https://vacode.org/8.9A-108/#b3"><i class="fa fa-link"/></a></p></section>
						<section id="b4" class="indent-1"><p><span class="prefix-number">4.</span> quantity; <a id="paragraph-294333" class="section-permalink" href="https://vacode.org/8.9A-108/#b4"><i class="fa fa-link"/></a></p></section>
						<section id="b5" class="indent-1"><p><span class="prefix-number">5.</span> computational or allocational formula or procedure; or <a id="paragraph-294334" class="section-permalink" href="https://vacode.org/8.9A-108/#b5"><i class="fa fa-link"/></a></p></section>
						<section id="b6" class="indent-1"><p><span class="prefix-number">6.</span> except as otherwise provided in subsection (c), any other method, if the identity of the <span class="dictionary">collateral</span> is objectively determinable. <a id="paragraph-294335" class="section-permalink" href="https://vacode.org/8.9A-108/#b6"><i class="fa fa-link"/></a></p></section>
						<section id="c"><p><span class="prefix-number">c.</span> Supergeneric description not sufficient. A description of <span class="dictionary">collateral</span> as &#x201C;all the debtor&#x2019;s <span class="dictionary">assets</span>&#x201D; or &#x201C;all the debtor&#x2019;s personal property&#x201D; or using words of similar import does not reasonably identify the <span class="dictionary">collateral</span>. <a id="paragraph-294336" class="section-permalink" href="https://vacode.org/8.9A-108/#c"><i class="fa fa-link"/></a></p></section>
						<section id="d"><p><span class="prefix-number">d.</span> Investment property. Except as otherwise provided in subsection (e), a description of a security entitlement, securities account, or commodity account is sufficient if it describes: <a id="paragraph-294337" class="section-permalink" href="https://vacode.org/8.9A-108/#d"><i class="fa fa-link"/></a></p></section>
						<section id="d1" class="indent-1"><p><span class="prefix-number">1.</span> the <span class="dictionary">collateral</span> by those terms or as investment property; or <a id="paragraph-294338" class="section-permalink" href="https://vacode.org/8.9A-108/#d1"><i class="fa fa-link"/></a></p></section>
						<section id="d2" class="indent-1"><p><span class="prefix-number">2.</span> the underlying financial asset or commodity <span class="dictionary">contract</span>. <a id="paragraph-294339" class="section-permalink" href="https://vacode.org/8.9A-108/#d2"><i class="fa fa-link"/></a></p></section>
						<section id="e"><p><span class="prefix-number">e.</span> When description by type insufficient. A description only by type of <span class="dictionary">collateral</span> defined in the Uniform Commercial Code is an insufficient description of: <a id="paragraph-294340" class="section-permalink" href="https://vacode.org/8.9A-108/#e"><i class="fa fa-link"/></a></p></section>
						<section id="e1" class="indent-1"><p><span class="prefix-number">1.</span> a commercial <span class="dictionary">tort</span> claim; or <a id="paragraph-294341" class="section-permalink" href="https://vacode.org/8.9A-108/#e1"><i class="fa fa-link"/></a></p></section>
						<section id="e2" class="indent-1"><p><span class="prefix-number">2.</span> in a consumer transaction, consumer goods, a security entitlement, a securities account, or a commodity account. <a id="paragraph-294342" class="section-permalink" href="https://vacode.org/8.9A-108/#e2"><i class="fa fa-link"/></a></p></section></text><history>1964, c. 219, &#xA7; 8.9-110; 1996, c. 216, &#xA7; 8.9-115; 2000, c. 1007.</history><metadata></metadata></law>
