In consumer transactions, how long must a debtor acquire property for after-acquired collateral clauses to apply?

In consumer transactions, after-acquired collateral clauses can apply when a debtor acquires property within 10 days after the secured party's security interest attaches. This timeframe is specified in UCC § 9-204, which allows for the inclusion of after-acquired property as collateral in a security agreement, provided it falls within the stipulated period.

In the context of secured transactions, this provision is designed to protect the rights of the secured party while considering the realities of consumer transactions. This is particularly important as consumers may acquire goods or assets frequently and having a provision that captures these new items within a brief window ensures that the secured party has a claim on recently acquired properties without needing to constantly update security agreements.

The other durations mentioned do not align with the UCC stipulation for after-acquired property in consumer transactions, making the 10-day period the correct choice.