Secured transactions reform and access to credit The chapters presented here provide for the first time a comprehensive and cutting edge view of the subject from both a legal and economic perspective. They start at the macro level of financial systems moving towards the behaviours of lenders (commercial banks and micro lenders) policy options for government and the mechanisms of collateral law reform pt. 1. Access to credit and secured transactions in a global world pt. 2. Secured transactions law to support access to credit : a case for REFORM pt. 3. Taking security in practice : microfinance and mortgage pt. 4. Stories of reform : lessons learned and remaining challenges