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0 tracked cards Supplemental - Not MEE July 2026

A consumer debtor signs a security agreement covering "all consumer goods now owned or later acquired." The secured party gives value on the signing date. The debtor buys a new household piano 45 days later.
What is the best Article 9 answer about attachment to the piano under the after-acquired clause?

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The after-acquired clause never covers any consumer goods, including goods acquired immediately after value is given. The after-acquired clause generally does not attach to consumer goods acquired more than 10 days after the secured party gives value, subject to Article 9 exceptions. The after-acquired clause covers all later consumer goods no matter when acquired. The after-acquired clause applies only if the consumer later becomes a merchant.

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