What should a creditor generally do to protect their interest in after-acquired collateral?

To protect their interest in after-acquired collateral, a creditor should include specific terms for new acquisitions in their security agreement. This is crucial because after-acquired property clauses allow the creditor to automatically claim rights to collateral acquired by the debtor after the initial security interest is created. By explicitly stating in the security agreement that the interest extends to any after-acquired assets, the creditor ensures that they remain secured and have priority over other creditors in the event of debtor default.

Including specific terms for new acquisitions sets clear expectations and legal standing for the creditor. Without this provision, any newly acquired assets may not automatically be collateralized under the original agreement, risking the creditor's security interest and potentially leading to disputes regarding the ownership of those new assets in the future.

The other options, while relevant to general creditor practices or financial monitoring, do not directly secure the creditor's interest in after-acquired collateral as effectively as including specific terms in the security agreement does. Reassessing value, filing for licenses, or monitoring financial states can provide valuable information and context, but they don’t create the necessary legal framework to ensure that new acquisitions are automatically included under the security interest.