In plain English, lenders might have to set aside additional balance-sheet provision to reflect loans that might not be properly secured.The Council of Mortgage Lenders in Scotland has also indicated that its members are taking very seriously the issue that the Westminster bill seeks to address and has made it clear that this legislative opportunity to regularise pre-1989 activity in Scotland should be taken. Finally, the Scottish Federation of Housing Associations has also asked for the Scottish position to be dealt with through the Westminster bill.Given those calls from the sector and the need to move quickly to avoid any unnecessary anxiety, we feel that the LCM approach offers the quickest way of providing the reassurance that the sector demands for the historical position to be put beyond doubt.We do not propose a legislative consent motion lightly, but the only other way of achieving the policy change would be to introduce primary legislation in the Scottish Parliament.