Stage 1 Report on the Bankruptcy and Diligence (Scotland) Bill

PDF Published: Tuesday 23 Jan 2024 (EFWS062024R1)

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Report
- Membership changes
- Introduction
  - Purpose of the Bill
- Consideration by the Economy and Fair Work Committee
  - Consideration by other committees
    
    Consideration by the Finance and Public Administration Committee
    
    Consideration by the Delegated Powers and Law Reform Committee
    
    Correspondence from the Social Justice and Social Security Committee
- Moratorium on debt recovery action: debtors who have a mental illness
  - General Context
  - Criteria for entering a mental health moratorium
  - Mental health moratorium eligibility sign-off
  - Length of the mental health moratorium
  - Protections within the mental health moratorium
  - Additional reforms to support the mental health moratorium
    
    Money advice sector capacity
    
    Awareness-raising and Resources
    
    Capacity of the debtor
    
    Mental Health Moratorium Public Register
- Modification of the Bankruptcy (Scotland) Act 2016
  - Sections 2 - 5
    
    Additional changes to be considered
    
    Minimal Asset Process (MAP) Bankruptcy
    
    Discharge of Trustees
    
    Statutory Interest
    
    Bankruptcy Petition
- Diligence reforms
  - Arrestee's duty of disclosure
  - Diligence on the dependence
  - Exceptional Attachment
  - Additional proposals for diligence reform
    
    Money Attachment
    
    Debt Advice and Information Package (DAIP)
    
    Earnings arrestments
- Related reforms to be taken forward by regulations
  - Inhibition and summary warrant
  - Information Disclosure Orders
- Conclusion
- Annexe A - Minutes of Meetings
- Membership changes
- Introduction
- Consideration by the Economy and Fair Work Committee
- Moratorium on debt recovery action: debtors who have a mental illness
- Modification of the Bankruptcy (Scotland) Act 2016
- Diligence reforms
- Related reforms to be taken forward by regulations
- Conclusion
- Annexe A - Minutes of Meetings
Sources

Scottish Government. (2023, April 27). Bankruptcy and Diligence (Scotland) Bill Policy Memorandum. Retrieved from https://www.parliament.scot/-/media/files/legislation/bills/s6-bills/bankruptcy-and-diligence-scotland-bill/introduced/policy-memorandum-accessible.pdf

Scottish Government. (2023, September 14). Letter from the Minister for Community Wealth and Public Finance to the Economy and Fair Work Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-economy-and-fair-work-committee/correspondence/2023/general-review-of-debt-solutions

Scottish Government. (2023, November 13). Mental Health Moratorium: Consultation. Retrieved from https://www.gov.scot/publications/scottish-government-consultation-mental-health-moratorium/pages/4/

Scottish Parliament. (2023, September). Official Report, Economy and Fair Work Committee Meeting, 20 September 2023. Retrieved from http://archive2021.parliament.scot/parliamentarybusiness/report.aspx?r=15452&mode=pdf

Scottish Parliament. (2023, July 2). Robbing Peter to pay Paul: Low income and the debt trap. Retrieved from https://digitalpublications.parliament.scot/Committees/Report/SJSS/2022/7/2/22c9ae33-c802-4690-8d36-73d65b356069#a28aed54-ac8d-4545-acd3-03b46e43dc3b.dita

South Lanarkshire Council. (2023, July). Submission to Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=808209546

Scottish Parliament. (2023, September). Official Report, Economy and Fair Work Committee Meeting, 13 September 2023. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/EFW-13-09-2023?meeting=15440

Scottish Parliament. (2023, November). Official Report, Economy and Fair Work Committee Meeting 29 November 2023. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/EFW-29-11-2023?meeting=15580

Accountant in Bankruptcy. (2023). Mental Health Moratorium Working Group Report of recommendations. Retrieved from https://aib.gov.uk/sites/default/files/mental_health_moratorium_-_report_of_recommendations.pdf

Scottish Government. (2023, April 27). Bankruptcy and Diligence (Scotland) Bill Financial Memorandum. Retrieved from https://www.parliament.scot/-/media/files/legislation/bills/s6-bills/bankruptcy-and-diligence-scotland-bill/introduced/financial-memorandum.pdf

The Scottish Parliament. (2023, October 2). Engagement Session, One Parent Families Scotland and the Poverty Alliance. Retrieved from https://www.parliament.scot/-/media/files/committees/economy-and-fair-work-committee/annex/bd-engagement-session-glasgow.pdf

Kat Munro. (2023, July). Written submission to the Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=1051415222

NatWest Group PLC. (2023, July). Submission for Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=103547183

Scottish Parliament. (2023, October). Official Report, Economy and Fair Work Commmittee Meeting, 25 October 2023. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/EFW-25-10-2023?meeting=15505

Scottish Parliament. (2023, June). Delegated powers provisions in the Bankruptcy and Diligence (Scotland) Bill at Stage 1. Retrieved from https://digitalpublications.parliament.scot/Committees/Report/DPLR/2023/6/22/df588ad4-d9f9-4169-af39-cc55158ad6d1#Introduction

The Highland Council. (2023, July). Written submission to the Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=628345771

Scottish Parliament. (2023). Official Report, Economy and Fair Work Committee Meeting, 27 September 2023. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/EFW-27-09-2023?meeting=15473

Professor Donna McKenzie Skene and Dr Alisdair MacPherson, Centre for Scots Law at the University of Aberdeen. (2023, July). Written submission to the Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=821827672

Accountant in Bankruptcy. (2023, December 5). Letter from Accountant in Bankruptcy to the Economy and Fair Work Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/economy-and-fair-work-committee/correspondence/2023/letter-from-richard-dennis--bankruptcy-and-diligence-bill.pdf

Scottish Government. (2023, June 12). Letter from the Minister for Community Wealth and Public Finance to the Economy and Fair Work Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-economy-and-fair-work-committee/correspondence/2023/bankruptcy-and-diligence-scotland-bill

The Institute of Chartered Accountants of Scotland. (2023, July). Submission to the Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=54035067

The Scottish Parliament. (2023, May 11). Letter from the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-social-justice-and-social-security-committee/correspondence/2023/bankruptcy-and-diligence-scotland-bill

Scottish Government . (2022). Scottish Government consultation: Scottish statutory debt solutions and diligence - policy review response. Retrieved from https://www.gov.scot/binaries/content/documents/govscot/publications/consultation-paper/2022/08/scottish-government-consultation-scotlands-statutory-debt-solutions-diligence-policy-review-response/documents/scottish-government-consultation-scotlands-statutory-debt-solutions-diligence-policy-review-response/scottish-government-consultation-scotlands-statutory-debt-solutions-diligence-policy-review-response/govscot%3Adocument/scottish-government-consultation-scotlands-statutory-debt-solutions-diligence-policy-review-response.pdf [accessed 14 December 2023]

The Society of Messengers-at-Arms and Sheriff Officers. (2023, July). Submission to the Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=165508652

Money Advice Scotland. (2023, July). Submission to the Call for Views. Retrieved from https://yourviews.parliament.scot/efw/bankruptcy-bill/consultation/view_respondent?uuId=412690732

Convention of Scottish Local Authorities (COSLA). (2023, October 26). Letter to the Economy and Fair Work Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-economy-and-fair-work-committee/correspondence/2023/earnings-arrestment

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