If a security agreement or other writing that evidences a security interest describes collateral covered by the security interest merely as either consumer property, commercial property or equipment, then that alone is not a sufficient description of collateral for the security interest to be enforceable against third parties (persons other than the grantor).

In addition, the collateral must be described by item or class¹, for example:

“commercial property – all wine vats owned by the grantor” (reference to class), or

“commercial property – the ten wine vats owned by the grantor and located at its winery” (reference to item).