Jurisdiction(s):
United Kingdom

Key definition

Lending definition

What does Lending mean? In copyright practice, lending means making a copy of a protected work available for use on the understanding that it will, or may, be returned. It is a statutory concept in the UK and Ireland and is distinguished from rental by the absence of any direct or indirect economic or commercial advantage. Lending to the public usually occurs through establishments accessible to the public (for example, public libraries and certain educational or cultural institutions). Reasonable cost‑recovery charges do not convert lending into rental. The classification matters because lending to the public is a restricted act. It engages the rightsholder’s exclusive lending...

Jersey Cross-Border Lending and Security: SIJL 2012 Perfection and Priority, Hypothecs over Land, Licensing and Tax, Enforcement and Intercreditor Subordination, and Recognition of English Law and Judgments

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Practice notes

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Loan market and developments

This section offers a succinct outline of the current state of the loan markets in this jurisdiction together with any material recent developments. Lending by Jersey-domiciled banks tends to be restricted, in practice, to arrangements concerning domestic real estate or locally based businesses, and, in the private banking sphere, to global high net worth individuals across a range of transactions. In parallel, we observe significant volumes of financing provided by UK and European banks to Jersey structures that primarily hold assets situated outside Jersey, including, in particular, UK real estate.

It also summarises forthcoming legal changes and other matters that may influence the loan markets or the answers to the questions below. The Security Interests (Jersey) Law 2012, which took effect on 2 January 2014 (the SIJL), implemented comprehensive, far-reaching reforms to how security is created over intangible moveable property in Jersey, such as Shares in a Jersey company, units in a Jersey property Unit trust, and bank accounts situate in Jersey...

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Web page updated on 21/05/2026

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