The Credit Reporting Act ("the Act") was enacted on the 30th day of May 2017 with the primary objectives of promoting access to credit information and enhancing risk management in credit transactions.

The long title of the new Land Use Charge Law provides the rationale for the law.

For generations, Nigerians have regarded land as the safest store of wealth. The prevailing investment philosophy has been remarkably simple: acquire land, hold it patiently, and allow appreciation to generate wealth over time. Across Lagos, Abuja, Port Harcourt and other commercial centres, countless families have followed precisely that strategy.

The Lagos housing market remains a paradox: Africa's most dynamic city, yet one of the continent's most punishing rental environments.

The tenancy system in Lagos State has, for many years, been plagued by several challenges, including weak enforcement of existing laws, abusive exploitation and discriminatory practices by landlords, exploitative tendencies of agents, and arbitrary rent increases, to mention a few. In an attempt to curb these practices, the Lagos State Government has proposed the Lagos State Tenancy & Recovery of Premises Bill, 2025 (the “Bill”), which is designed to overhaul and sanitize the landlord-tenant relationship in Lagos State. The Bill is structured in four parts, comprising 45 Clauses.

The historical antecedent of man is inundated with changes orchestrated majorly by man's quest for a better and easier means of survival. Starting