Commentary on provisions of Act Section 19: Further provision
This section enables the Secretary of State to set out further detail about the loans scheme in the regulations made under section18.
	Subsection (2) enables the Secretary of State to specify the circumstances in which a person is to be treated as liable or not liable to make owner-occupier payments and the circumstances in which a person is to be treated as occupying or not occupying their home.
	Subsection (3) enables the Secretary of State to provide for the following in the regulations: how a person can apply for a loan; the requirements which they must satisfy before a loan can be made (such as receiving financial advice); provision about entering into an agreement with the person receiving a loan; when and how a loan must be repaid; other terms upon which a loan is made; that interest will be charged on the loan and the rate; that administration charges will be charged; and provision enabling substituted security be taken in cases where a person moves to another property.
	Subsection (4) provides that the regulations may require that loans are paid direct to the claimant’s mortgage lender and subsections (7) to (9) set out what constitutes a "qualifying lender" for these purposes. This provision mirrors the existing legislative provisions in section 15A of the Social Security Administration Act 1992 which will be repealed under section 20, and will help to ensure the continued forbearance of lenders.
	Subsection (5) enables the regulations to provide for the Secretary of State to delegate the exercise of certain functions under the regulations to a third party.
	Subsection (6) states that the relegations may include provision requiring information and documents to be provided and allowing for information to be disclosed.