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4 - The English law of security: creditor-friendly but unreformed

Published online by Cambridge University Press:  23 December 2009

Eva-Maria Kieninger
Affiliation:
Bayerische-Julius-Maximilians-Universität Würzburg, Germany
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Summary

Article 9 through the eyes of an English lawyer

To understand the character of English law in general, it is always helpful to compare it with United States law, which is both similar and different. English law and US law may both be common law systems, the latter developing out of the former, but the differences between them are highly significant. It is increasingly difficult for lawyers as practitioners or academics to migrate between the two systems.

If one descends to the particular and looks at the structure of the rules dealing with secured transactions, fundamental differences between English law and US law appear to surface. Yet a close examination of the two laws reveals that both are at root alike in the friendly response they give to secured credit. Furthermore, the differences between the two laws are, to a significant extent, differences of legislative style. If one were to take the existing body of English rules on personal property security and restate them in US legal terminology, the result would probably be not greatly different from US Article 9 UCC. The basic values of the two systems of law are very similar.

The dominant feature of US law in the area of secured transactions is its commitment to the guiding principles of the jurisprudential movement known as American realism. This philosophy manifests itself in an impatient attitude to conceptual differences that conceal an identity of function.

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Publisher: Cambridge University Press
Print publication year: 2004

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