🎙️ Episodio 15 | Garantías mobiliarias: cómo respaldar un préstamo sin hipotecar un inmueble

How can a business, entrepreneur, or ordinary citizen secure a loan without mortgaging real estate? In this episode of Law and Society RD, we talk with Melvin Domínguez, lawyer, professor, and specialist in Procedural and Economic Criminal Law, about a crucial topic for the country's financial and business development: movable asset guarantees. Through a practical and technical conversation, we explore how this mechanism, introduced by the 2020 Movable Asset Guarantees Law, modernizes credit, reduces bureaucracy, and expands financing options for businesses and individuals. ⚖️ In this episode, we cover: • What movable asset guarantees are and how they replace the old concept of pledge. • Differences between pledges with and without dispossession and their legal evolution. • The new Electronic Movable Asset Guarantees System and its impact on registry publicity. • How the law streamlines credit through present, future, tangible, and intangible movable assets. • Case studies: vehicle warranties, inventory, accounts receivable, intellectual property, and more. • Judicial and extrajudicial enforcement mechanisms provided for by law. • Challenges in implementing and training for the new legal system. 00:00 – Introduction and presentation of the guest 01:35 – What are security interests in movable property and their legal framework? 03:26 – Historical evolution: from pledge to security interest in movable property 05:33 – Influence of the World Bank and the OAS on the Model Law 06:50 – Movable property, futures, and derivatives: new possibilities 09:43 – Publication and registration in the Electronic System 13:56 – Advantages over traditional systems 15:10 – Priority, enforceability, and protection of creditors 17:18 – Assets that can be given as security 19:01 – Examples: inventories, rentals, intellectual property 20:38 – Parties involved in the security interest 21:59 – Judicial and extrajudicial enforcement 24:25 – Current state of application and practical challenges 27:28 – Need for training and institutional adaptation 28:51 – Analysis and recommendations Finals 💡 An essential conversation for lawyers, bankers, entrepreneurs, and financial professionals interested in understanding how secured transactions transform credit and strengthen legal certainty. #LawAndSocietyRD #SecuredTransactions #CommercialLaw #FinancialLaw #SecuredTransactionsLaw #Credit #PledgeWithoutDispossession #LegalCertainty #Companies #Entrepreneurship #Financing #LegalPodcast