Law other than this Article, including the law with respect to ratification of past acts, generally determines whether a person has the requisite authority to file a record under this Article. See Section 1-103. However, under Section 9-509(b) [Maine cite section 9-1509, subsection (2)], the debtor's authentication of (or becoming bound by) a security agreement ipso facto constitutes the debtor's authorization of the filing of a financing statement covering the collateral described in the security agreement. The secured party need not obtain a separate authorization.

Section 9-625 [Maine cite section 9-1625] provides a remedy for unauthorized filings. Making an unauthorized filing also may give rise to civil or criminal liability under other law. In addition, this Article contains provisions that assist in the discovery of unauthorized filings and the amelioration of their practical effect. For example, Section 9-518 [Maine cite section 9-1518] provides a procedure whereby a person may add to the public record a statement to the effect that a financing statement indexed under the person's name was wrongfully filed, and Section 9-509(d) [Maine cite section 9-1509, subsection (4)] entitles any person to file a termination statement if the secured party of record fails to comply with its obligation to file or send one to the debtor, the debtor authorizes the filing, and the termination statement so indicates. However, the filing office is neither obligated nor permitted to inquire into issues of authorization. See Section 9-520(a) [Maine cite section 9- 1520, subsection (1)].

4. Certain Other Requirements. Subsection (a) [Maine cite subsection (1)] deletes other provisions of former Section 9- 402(1) because they seems unwise (real-property description for financing statements covering crops), unnecessary (adequacy of copies of financing statements), or both (copy of security agreement as financing statement). In addition, the filing office must reject a financing statement lacking certain other information formerly required as a condition of perfection (e.g., an address for the debtor or secured party). See Sections 9- 516(b), 9-520(a) [Maine cite section 9-1516, subsection (2), section 9-1520, subsection (1)]. However, if the filing office accepts the record, it is effective nevertheless. See Section 9- 520(c) [Maine cite section 9-1520, subsection (3)].