Under what condition must a consumer acquire collateral for after-acquired collateral clauses to apply?

The requirement for after-acquired property clauses to apply hinges on the timing and conditions under which the consumer acquires the collateral. In this context, the correct condition is that the consumer must acquire the collateral within a specific timeframe after receiving the secured value, which is reflected in the correct choice.

Under UCC Article 9, an after-acquired property clause allows a lender to claim security interests in property that the borrower acquires after the security agreement is made. However, for this clause to be enforceable specifically in consumer transactions, the consumer must obtain the collateral within 10 days of receiving the value from the secured loan. This safeguards consumers by ensuring that they have a limited time frame in which the lender can claim a security interest in any property acquired, striking a balance between the lender's interest and consumer protection. Thus, option B appropriately identifies this crucial time window that triggers the effect of after-acquired collateral clauses in secured transactions.