Registered Land (Amendment) Bill, 2026 Aims to Improve Transparency in Secured Lending.
George Town, Cayman Islands — 5 February 2026 — The Ministry of Planning, Lands, Agriculture, Housing & Infrastructure (MPLAHI) has confirmed that the Registered Land (Amendment) Bill, 2026 was published in the Gazette today, introducing targeted updates to Cayman’s land registration and secured lending framework.

The Bill amends the Registered Land Act (2018 Revision) and focuses on improving clarity, transparency, and engagement in how secured loans over land are entered into and managed. The amendments place particular emphasis on owner-occupied residential properties and the steps that apply before enforcement action is taken.

At its core, the legislation is intended to ensure that borrowers receive clearer information before entering into secured lending arrangements, and that lenders and borrowers engage earlier and more constructively where repayment challenges arise.
Key features of the Bill include:

  *   clearer pre-lending disclosure requirements, helping borrowers better understand the terms and implications of secured loans before they are finalised;
  *   strengthened pre-action engagement requirements, encouraging communication and the exploration of resolution options before enforcement proceedings are pursued;
  *   clearer notice requirements where interest rates change;
  *   updated provisions relating to insurance, leasing, redemption rights, and powers of sale; and
  *   more clearly defined processes for the sale of property where enforcement is required, including the use of recognised multiple listing systems supported by independent valuations.

The Bill also introduces clearer notice requirements, structured pre-action documentation, and defined timelines in cases of default, supporting transparency, consistency, and procedural certainty for all parties involved.

Commenting on the publication of the Bill, the Minister for Planning, Lands, Agriculture, Housing & Infrastructure, Hon. Johany “Jay” Ebanks, said:
“These changes are about clarity and fairness. They help ensure people understand what they are agreeing to, encourage earlier conversations when challenges arise, and set out clearer processes where action is required. This is about improving transparency while maintaining confidence in Cayman’s land and financial systems.”

The Registered Land (Amendment) Bill, 2026 will come into force on a date to be appointed by Cabinet. Transitional provisions ensure that existing loans and transactions already in progress are not adversely affected.

The full Bill is available at:
https://gov.ky/w/registered-land-amendment-bill-2026-lg7-s13

The Ministry will continue to engage with stakeholders as the Bill progresses through the legislative process.
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