Cambodia Secured Transactions Law: SETFO 2.0 Registration System and Compliance Training

Background

The Ministry of Commerce organised a capacity-building workshop in Siem Reap on 30 July 2026 focused on operationalising Cambodia’s secured transactions framework and the electronic registry used to record security interests. The workshop was held at Angkor Miracle Resort & Spa and convened about 50 participants from banks, microfinance institutions, pawnshops, law offices and judicial departments.

The Law on Secured Transactions (2007) establishes a legal framework for creating, registering, and enforcing security interests over movable property in Cambodia. The Secured Transactions Electronic Filing and Notice System (SETFO) is an online registry accessible at https://setfo.moc.gov.kh for recording notices of security interests under that law.

Scope of Application

The Law on Secured Transactions applies to security interests created over movable property and to the parties who grant or take those interests, including commercial lenders, microfinance providers and non-bank creditors. The SETFO registry functions as the public filing system for notices that affect the priority and public visibility of such security interests.

Key Provisions or Decisions

Presentations and materials at the training covered the main legal and operational topics listed by the Ministry of Commerce and the Techo Training Centre of the Ministry of Economy and Finance:

1. General overview of the Law on Secured Transactions
2. Types of collateral (movable property)
3. Rights, obligations and pledge agreements between parties
4. Perfection of security interests and priority-determination measures
5. Enforcement of security rights
6. Use of the Secured Transactions Electronic Filing and Notice System (SETFO) version 2.0
7. Practical demonstrations of key SETFO functions
8. Discussion on development of the legal and institutional framework

Implications for Investors, Businesses, or Compliance

Registration procedures in the SETFO system affect how third parties obtain notice of security interests and how competing claims are identified in commercial transactions. Financial institutions, secured creditors and businesses that take or accept movable collateral need established internal procedures to prepare and submit filings through SETFO to ensure notices are recorded according to legal requirements.

Official Source

Ministry of Commerce Facebook post: https://www.facebook.com/moc.gov.kh/posts/pfbid02ciYX2KJ7fM3eisb49xEneiRng6AYBw6GViWChmqqTLNyGCwNJd7nB8GCniSYUQdvl