Section 355.9-516 - What constitutes filing - Effectiveness of filing(1) Except as otherwise provided in subsection (2) of this section, 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.(2) Filing does not occur with respect to a record that a filing office refuses to accept because: (a) The record is not communicated by a method or medium of communication authorized by the filing office;(b) An amount equal to or greater than the applicable filing fee is not tendered;(c) The filing office is unable to index the record because:1. In the case of an initial financing statement, the record does not provide a name for the debtor;2. In the case of an amendment or information statement, the record: a. Does not identify the initial financing statement as required by KRS 355.9-512 or 355.9-518, as applicable; orb. Identifies an initial financing statement whose effectiveness has lapsed under KRS 355.9-515;3. 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; or4. In the case of a record filed in the filing office described in KRS 355.9-501(1)(a), the record does not provide a sufficient description of the real property to which it relates;(d) 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;(e) 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:1. Provide a mailing address for the debtor; or2. Indicate whether the debtor is an individual or an organization;(f) In the case of an assignment reflected in an initial financing statement under KRS 355.9-514(1) or an amendment filed under KRS 355.9-514(2), the record does not provide a name and mailing address for the assignee; or(g) In the case of a continuation statement, the record is not filed within the six (6) month period prescribed by KRS 355.9-515(4).(3) For purposes of subsection (2) of this section:(a) A record does not provide information if the filing office is unable to read or decipher the information; and(b) A record that does not indicate that it is an amendment or identify an initial financing statement to which it relates, as required by KRS 355.9-512, 355.9-514, or 355.9-518, is an initial financing statement.(4) 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 (2) of this section, 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.Amended by 2012 Ky. Acts ch. 132,§ 84, eff. 7/11/2012.Created 2000, Ky. Acts ch. 408, sec. 107, effective 7/1/2001.