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CROBECO 25 November 2010 Kevin Ramsay Legal Services Registers of Scotland

ARTL. CROBECO 25 November 2010 Kevin Ramsay Legal Services Registers of Scotland. ARTL. Introduction: Who am I? Why am I here talking to you? Automated Registration of Title to Land (ARTL). ARTL. What is ARTL? Web based Secure Paper free Cheaper (33%) Registration within 24 hours

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CROBECO 25 November 2010 Kevin Ramsay Legal Services Registers of Scotland

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  1. ARTL CROBECO 25 November 2010 Kevin Ramsay Legal Services Registers of Scotland

  2. ARTL • Introduction: • Who am I? • Why am I here talking to you? • Automated Registration of Title to Land (ARTL)

  3. ARTL • What is ARTL? • Web based • Secure • Paper free • Cheaper (33%) • Registration within 24 hours • One-stop-shop for payment of Stamp Duty Land Tax

  4. ARTL What’s it look like?

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  13. ARTL • Who is using ARTL? • 492 Solicitors out of about 800 • 26 Lenders • 13 Local Authorities • Over 35,000 applications • Increasing pressure from Lenders

  14. ARTL • Crucial Role Of Strong Authentication: • Around €1.6 billion of mortgages processed through ARTL • Guaranteed by State • Legal admissibility of digital deeds • Strong audit trail

  15. ARTL Three factors: Not Just Technology!

  16. ARTL Three factors: Not Just Technology!

  17. ARTL Three factors: Not Just Technology!

  18. ARTL • Legislative framework: • EU Directive 93/1999 on a Community Framework for Electronic Signatures • Electronic Communications Act 2000 • The ARTL (Electronic Communications) (Scotland) Order 2006 • Land Registration (Scotland) Act 1979 • Requirements of Writing (Scotland) Act 1995 • Land Registration (Scotland) Rules 2006 • Bankruptcy and Diligence etc (Scotland) Act 2007 • Keepers Direction No.1 2007

  19. ARTL • EU Directive 93/1999 • "advanced electronic signature" means an electronic signature which meets the following requirements:(a) it is uniquely linked to the signatory;(b) it is capable of identifying the signatory;(c) it is created using means that the signatory can maintain under his sole control; and(d) it is linked to the data to which it relates in such a manner that any subsequent change of the data is detectable;

  20. ARTL • Policy Framework: • ARTL Licence - Firm • ARTL terms and conditions agreed to at sign up – User • ARTL PKI terms and conditions agreed when smartcard issued – Deed Signatory

  21. ARTL • PKI Policies: • Policy documents cover about 80 topics • About 60 of those are publicly available • Split into Policies, Procedures and Worksheets • Audited by tScheme – 3 year cycle • ISO27001

  22. ARTL Policy: Procedure: Worksheets:

  23. ARTL • But what about the Technology? • PKI was best fit • Enables Advanced Electronic Signature • Smartcard based

  24. ARTL • Lessons Learned: • It takes more time and senior resource than you think. • Technology is the easy bit. • Never overestimate the abilities of your users – keep it very simple!

  25. Questions? kevin.ramsay@ros.gov.uk +44 131 200 3935

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