Getting Credit: Law Reforms, Technology, and Market Transformation

Getting Credit examines why secured transactions law reforms yield uneven results in closing the five-trillion-dollar credit gap for micro, small, and medium enterprises. Combining multidisciplinary research, doctrinal analysis, and fieldwork observations, Castellano and Dubovec examine over thirty jurisdictions to show that success depends not on rules transplanted but on processes through which legal change unfolds.

Bridging private law, financial regulation, and credit-market technology, the book examines how UNCITRAL and UNIDROIT standards, Basel and digital-finance regulations interact with domestic laws, how law reformers operate, and how secured-lending products - involving receivables, intellectual property, and warehouse receipts, as well as digital assets - function. It advances the Product-Focused Reform Strategy, a new method connecting secured lending to sustainable economic recovery, food security, and innovation. With a Foreword by Sir Roy Goode, Getting Credit is a major contribution to commercial law, comparative law, and development studies for scholars, practitioners, and policymakers worldwide.