Consultations and reviews

As part of the Scottish Government, AiB seeks views from stakeholders and the public through a range of public consultations. Present consultations and subsequent reviews include:


Credit union debts in PTDs

Supplementary public consultation on special protection for debts owed to Credit Unions in Protected Trust Deeds.

Consultation on Credit Union debts in PTDs

Consultation responses

Report on consultation



A public consultation on proposed the Low Income, Low Asset (LILA) regulations to introduce a new route into bankruptcy.

Working group on debt relief

Consultation on proposed regulations

Consultation responses

Report on consultation

One Year Review

A review of LILA was carried out after four months of it being in operation to establish whether the LILA route into bankruptcy had been successful in providing a route into bankruptcy for those people who were previously unable to obtain debt relief. This report examines LILA after it has been in operation for one year. The report also compares the LILA route into bankruptcy with another route, namely, the debtor applying with proof of apparent insolvency.

Read full report - LILA One Year Review - 2009



Debt Arrangement Scheme

The following consultations and reviews of the Debt Arrangement Scheme (DAS) can be viewed here. Further information on DAS can also be found here.




Protected Trust Deeds

A consultation on the future of protected trust deeds (PTDs) ran between 17 October 2011 and 31 January 2012 seeking views on the recomendations of the Protected Trust Deed Working Group (PTDWG) to improve the PTD process.

Consultation and report

Protected trust deed impact assessments


Bankruptcy law reform

A consultation on Bankruptcy Law Reform was launched on 24 February 2012 until 18 May 2012. The consultation made recomendations on many aspects of bankruptcy law, with the aim of modernising current Scottish insolvency legislation.



BADAS impact assesment

Business Regulatory Impact Assessment (BRIA)

The following list of BRIAs that apply on or after 1 April 2015:

 Equality Impacy Assesments (EQIA)

The Following list of EQIAs that Apply on or after 1 April 2015: