The Official Report is a written record of public meetings of the Parliament and committees.
All Official Reports of meetings in the Debating Chamber of the Scottish Parliament.
All Official Reports of public meetings of committees.
Displaying 2526 contributions
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
I have a supplementary question. Can you please provide some examples, Mr Dailly? You have said that consumers might be protected on some aspects but not all. When might a consumer be protected, and when might they not be?
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Jeremy Balfour has a supplementary.
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Dr Patrick, can you explain how the current law in Scotland affects businesses’ ability to access finance?
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Good morning, and welcome to the 25th meeting in 2022 of the Delegated Powers and Law Reform Committee. I remind everyone present to switch their mobile phones to silent.
The first item of business is a decision on whether to take items 6 to 10 in private. Is the committee content to take those items in private?
Members indicated agreement.
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Under item 2, we will continue to take evidence on the Moveable Transactions (Scotland) Bill. We will hear from two panels. I welcome the witnesses on the first panel: Mike Dailly, solicitor advocate and principal solicitor at the Govan Law Centre; Dr Jonathan Hardman, convener of the Law Society of Scotland’s banking, company and insolvency law sub-committee; and Dr Hamish Patrick, partner and head of financial sector at Shepherd and Wedderburn.
I remind all attendees that they should not worry about turning on their microphones, because those are controlled by broadcasting colleagues. If you would like to come in on any question, please indicate to me by raising your hand—that would be helpful.
I will ask a couple of general questions before I bring in colleagues. Notwithstanding the issues that you have raised in your submissions, which we will come on to in some detail, are you content with the general thrust of the bill?
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Gents, before we close, would you like to make any final comments?
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Your organisations have argued that the statutory pledge provisions could open up a high-cost credit market in Scotland that will target vulnerable consumers—Myles Fitt just touched on that. How likely is that to happen, and what could be the potential impact on the people who then become your clients?
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Is the committee content with the instruments?
Members indicated agreement.
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
Oliver Mundell has a supplementary question. We will then go back to Bill Kidd.
Delegated Powers and Law Reform Committee
Meeting date: 4 October 2022
Stuart McMillan
I have one final question, which has partly been touched upon. Your position is clear on the need for consumers to come out of the bill. Is there anything else that you would like to be in the bill? You touched upon the statutory moratoriums in response to Paul Sweeney’s question.