Background
The Law on Secured Transactions (2007) establishes a legal framework for creating, registering and enforcing security interests over movable property in Cambodia. SETFO is an online notice-filing system accessible at https://setfo.moc.gov.kh for submission and public filing of secured-transaction notices.
On 18 September 2026 the Ministry of Commerce held a training session at Novotel in Sihanoukville that covered the 2007 law and practical use of SETFO 2.0; the session was chaired by ឯកឧត្តម បួន សារៈមុនី រដ្ឋលេខាធិការ and attended by representatives from commercial banks, microfinance institutions, pawnshops, law offices and court registries. The event was organised in cooperation with the Techo New Business Training Centre of the Ministry of Economy and Finance to raise awareness of legal procedures and the registry interface.
Scope of Application
The secured-transactions framework applies to security interests in movable assets and sets procedures for public notice, priority and enforcement mechanisms under Cambodian law. The SETFO registry functions as the operational mechanism through which creditors and registrants submit notices that are intended to provide public record of secured interests.
Key Provisions or Decisions
- Overview of the Law on Secured Transactions (2007), including its scope and principal concepts presented to participants.
- Types of collateral covered, with emphasis on movable (non-land) assets used as security.
- Rights, obligations and debtor–creditor agreements relevant to secured lending relationships.
- Procedures for notarisation or certification of security documents and rules determining priority among competing claims.
- Mechanisms for exercising secured-party rights under the law.
- Demonstration of the SETFO 2.0 notice-filing system and guidance on submitting electronic filings via the SETFO website.
- Practical walkthroughs of key SETFO functions for registration and search of notices.
- Discussion on future development of the legal and institutional framework for secured transactions in Cambodia.
Implications for Investors, Businesses, or Compliance
The presentations outlined registration and notice procedures that stakeholders should follow to record security interests and to check existing filings before extending credit. Firms and legal practitioners that rely on movable-collateral lending can use the SETFO interface for public notice and due-diligence searches as part of contract preparation and risk assessment.
Official Source
Ministry of Commerce Facebook post: https://www.facebook.com/moc.gov.kh/posts/pfbid02ZqB2DLv2GbGhT3uu2burHFDJzR1gZZKouxd7JLFs9pqA3ELKcxijVM2hF5paaWCl.
