What is a RIN?
The RIN is a form of additional security that acts much like a bank PIN number. It will prevent anyone who does not have the RIN from being able to amend and/or completely discharge a registration.
If a RIN is not applied to a registration, a person could obtain a registration number by completing a search and successfully submit an amendment or discharge using the registration number with no RIN. As a further precaution, the registry does send discharge notices to secured parties; however, the choice to use a RIN would reduce the risk of being notified of a fraudulent discharge after it has already occurred.
Creation of a RIN
When creating a registration in the PPR (online or by paper submission), you have three choices. A customer can opt:
- not to have a RIN;
- have the system create a RIN; or
- choose their own RIN.
A RIN can also be added, changed or deleted as part of the amendment process.
A RIN appears on a Verification Statement in the top right hand corner. A RIN does not appear on a search result.
Although the RIN is not a mandatory field, customers are strongly encouraged to utilize the RIN option.
Misplaced RINs
There is an ability to look up a RIN online or submit a request by paper if the RIN has been misplaced.
- Online
RINs can be retrieved online after the user has signed into the system and proceeded to the SPPR application. The RIN Lookup feature can be found under the My Workspace tab.
There is no cost for the online RIN Lookup feature.
- Paper
If a client cannot obtain the RIN online or is not associated to the registrations, a RIN Lookup Request form can be submitted on paper by email, fax or mail. The form can be located at:
This form is utilized when the customer would not be the user that registered the agreement but is working on behalf of the secured/creditor party or they misplaced the RIN. Along with the form, the submitting party is required to provide proof to the registry to satisfy the request. ISC would only provide the RIN to the secured/creditor party or by authorization from secured/creditor party to supply to their agent. Cost of the RIN Request can be found PPR Fee Schedule.
Exceptions to the Rule
The only exception to the requirement for a RIN is when a court orders the registrar to remove, add or change a registration or if a debtor or interested party has successfully applied for a compulsory discharge.