• Introduction

• Background to moveable transactions and the Bill's proposals

• The role of the Scottish Law Commission

• Consultation on the Bill: Scottish Law Commission

• General
  • Impact of the reforms proposed in the Bill

• Assignation
  • Background to assignations
  • The Register of Assignations
  • Dual system of assignation
  • Assignation of debts owed by individual consumers
  • Waiver of defence clauses

• Statutory pledge
  • Background to statutory pledge
  • Current issues
  • Protections in the Bill for individual consumers
  • Enabling a high-cost credit market
  • Regulation by the Financial Conduct Authority
  • Excluding consumers from the Bill’s proposals
  • £1,000 value threshold for individual consumers
  • Enforcement
    • Court procedure for individuals not acting in a business context
    • Enforcement against small businesses would be possible without a court order

• Registers
  • Background to the registers
  • The detail of how the registers operate
  • Links with Companies House
  • Voluntary updates to the Register of Statutory Pledges
  • Fees

• Scope of the Bill - Financial instruments

• Other points
  • Electronic signature requirements
  • Agricultural charges

• Delegated Powers Memorandum

• Financial Memorandum

• Conclusions on the general principles of the Bill

• Annexe A: Extracts from minutes

• Annexe B: Evidence