Part of taking the mystery out of the Saskatchewan Personal Property Registry (SPPR) is understanding the different interest registration types. Registrations are driven by legislation, and can be prompted by a variety of situations. It’s important for you to have a good understanding of what they are and what they mean.

This page provides brief descriptions of some common registration types and the legislative acts that drive them, along with a few examples.

For detailed information about the SPPR and the types of registrations it contains, refer to The Personal Property Security Act, 1993.

Explanation of the Different Registration Types

• Personal property security agreement. A personal property security agreement (also referred to as a security agreement) is an agreement between a debtor and a creditor where the creditor agrees to lend the debtor money on the condition that the debtor gives some property as collateral. For example, a person goes into a car dealership and buys a car, financing part of the purchase price through the dealership. The dealership has the buyer sign an agreement that says the dealership can take the car back if the buyer defaults on paying the purchase price. Another common example of a security agreement is when a bank lends money to a person and requires that individual to give all the property that they own, or may own in the future, as collateral in case they default on the loan.
• Commercial lien. A commercial lien (which used to be called a garage keepers' lien) is an interest in goods held by a person who either provides labour or materials to repair or improve goods, stores goods or transports goods. A common example of a situation that will result in the registration of a commercial lien is when a person takes a car in to a mechanic for repairs but does not pay the mechanic's bill. The mechanic will have a commercial lien on the car by virtue of having performed repairs on it. Another example is when a person takes goods into a warehouse for storage and does not pay the bill. The warehouse owner can submit a commercial lien on the property being stored.
• Sale of goods. A seller may sell goods to a buyer but keep possession of those goods. If the seller then sells the goods to a second buyer who does not know they have already been sold, the second buyer is entitled to the goods, unless the sale is out of the seller's ordinary course of business and the original buyer has registered a notice protecting their interest in the goods through SPPR.
• Enforcement Charge Provincial judgment. A provincial judgment is an order made by a Court of Law that allows the sheriff to seize and sell a debtor's property. An example of a situation that may result in the registration of a provincial judgment is when a person accumulates significant credit card debt and then fails to make their payments. An interest based on a provincial judgment cannot be registered in the Saskatchewan Land Titles Registry unless it is first registered in the Judgment Registry, and it will not appear in the Judgment Registry until it has been entered in the SPPR. A provincial judgment must therefore be registered through SPPR.
• Enforcement Charge Federal judgment. A federal judgment is the same as a provincial judgment, except that a federal court or the Tax Court of Canada issues it.       
• Enforcement Charge Provincial maintenance judgment. A provincial maintenance judgment is an order made by the court for spousal or child support. An interest based on a maintenance judgment cannot be registered in the Saskatchewan Land Titles Registry unless it is first registered in the Judgment Registry, and it will not appear in the Judgment Registry until it has been entered in the SPPR. A maintenance judgment must therefore be registered through the SPPR.
• Enforcement Charge Federal Writ of Execution. A federal judgment is the same as a provincial judgment, except that a federal court or the Tax Court of Canada issues it.