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How long is my financing statement effective? When do I renew?
The filing period of an initial financing statement is 5 years. If a continuation is not filed, the initial financing statement will lapse 5 years from the original filing date. A continuation extends the filing period 5 additional years from the original filing date. A continuation may be filed up to 6 months prior to the lapse date of the initial financing statement. There are four exceptions to the initial filing period of 5 years. They are:
- Manufactured-Home Transaction - effective 30 years
- Public-Finance Transaction - effective 30 years
- Cooperative Filing - effective 5 years
- Transmitting Utility - effective until terminated
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