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The movable hypothec can be granted for various obligations and must be documented in writing to be valid without the delivery of the hypothecated goods. It can be established in favor of a creditor or by a surety. Individuals (not conducting an enterprise) can only consent to a movable hypothec without delivery on specific items like vehicles, caravans, boats, and certain incorporeal goods such as claims and intellectual property rights. However, RRSPs and RRIFs cannot be used as security. Only individuals conducting an enterprise and corporations can grant a movable hypothec on a universality of goods, encompassing both movable and immovable, present and future, corporeal and incorporeal items.
