Electronic Transactions Act (ETA) 2010: Primary legislation governing electronic transactions and digital signatures in Singapore. Critical for the digital execution and validity of the mortgage deed.
Registration of Deeds Act: Regulates the registration of deeds and instruments affecting land in Singapore, including requirements for digital registration.
Land Titles Act: Governs the registration and transfer of land titles in Singapore, including mortgages and electronic lodgment requirements.
Conveyancing and Law of Property Act: Provides the legal framework for property transactions and mortgage creation in Singapore.
Housing and Development Act: Relevant when the mortgaged property is HDB property, governing specific requirements for public housing.
Electronic Transactions (Certification Authority) Regulations: Specifies requirements for digital signatures and certification authorities in electronic transactions.
Singapore Land Authority Digital Services Requirements: Technical and procedural requirements for digital property transactions and electronic lodgment.
Banking Act: Regulates banking institutions and their mortgage lending activities in Singapore.
Personal Data Protection Act (PDPA): Governs the collection, use, and disclosure of personal data in digital transactions and records.
Cybersecurity Act 2018: Provides framework for cybersecurity requirements in digital transactions and systems.
Consumer Protection (Fair Trading) Act: Ensures fair trading practices and consumer protection in mortgage transactions.
Unfair Contract Terms Act: Regulates unfair terms in contracts, including digital mortgage deeds.
SINGAPORE LAND AUTHORITY ACT (Electronic Lodgment System Rules): Specific rules governing the electronic lodgment system for property transactions.
Monetary Authority of Singapore (MAS) Guidelines: Regulatory guidelines for financial institutions regarding mortgage lending and digital services.
