OBS_VALUE: Law 20.190 in Article 14, a set of rules on Non-Possessory Pledges and makes the National Register of Non-Possessory Pledges in charge of the Civil Registry. This new registration  became effective on January 22, 2011. The Registry of Non-Possessory Pledges  is a public, electronic, national and single registry whose mission is to record and maintain the registration of pledge agreements, amendments and uprisings and report the facts and actions stated in it. The registry exists in response to the need to encourage access to credit for small and medium enterprises.