Adams v. Greenpoint Credit Corp. (In re Earls)

ORDER AND JUDGMENT

PUSATERI, Chief Judge.

Creditor Greenpoint Credit Corporation, Inc. (“Greenpoint”), appeals the bankruptcy court’s decision determining that under Oklahoma law, a manufactured home is a “vehicle” so that a lien on the home is perfected by having it noted on the title to the home. The court held that such a lien is not automatically perfected under the Uniform Commercial Code (“UCC”) even if the home is a “consumer good” under Article 9 of the UCC. For the reasons stated below, we affirm.

I. Background

In November 1998, the debtor bought a two-piece manufactured or mobile home,…