Which of the following elements establish attachment of a security interest under UCC Article 9?

• A. Value given, debtor has rights in the collateral, and a security agreement describing the collateral.
• B. Possession by secured party only.
• C. Filing of UCC-1 alone suffices.
• D. Debtor must consent in writing to attachment.

Answer: (A)

The essential thing being tested is how a security interest becomes attached under UCC Article 9. Attachment happens when three things come together: value is given by the secured party, the debtor has rights in the collateral, and a security agreement describing the collateral is executed (and typically signed by the debtor). This combination is exactly what the option presents, so it is the best answer. Filing a UCC-1 document, by itself, is about perfection, not the creation of the security interest—so it doesn’t establish attachment. Possession by the secured party can be involved in certain arrangements, but it doesn’t by itself create attachment without the other elements. And the requirement isn’t “consent in writing” from the debtor in isolation—the debtor’s signature on a security agreement that describes the collateral is the key.