BIS is consulting on a proposal to ban the use of bills of sale to sell high-cost loans. These support "log-book lending" which uses cars as security. The Government feels bills of sale are written in archaic language that consumers cannot understand and may lead to cars being repossessed without court orders. It thinks banning bills of sale for consumer lending is the only way properly to protect the subprime customers this lending targets. It wants comments by 15 March.