The above provisions, which allow the lifting of such restrictions on the assignment of receivables, are included in the 2018 contractual terms (assignment of receivables) applicable to each of the clauses of a contract that came into effect on 31 December 2018 or after 31 December 2018. Under Article 2, paragraph 1, «Subject to provisions 3 and 4, a contractual clause has no effect to the extent that it prohibits or imposes the assignment of a debt through this contract or other contract between the same parties.» The regulations provide that a clause that prevents an assignee from determining the validity or value of the exposure or limits its ability to enforce the claim is considered a condition or other limitation of the assignment. These include, for example, provisions preventing an assignee from obtaining information and evidence of a possible defence or transfer by a contracting party. As a result, the regulations authorize disclosure of matters that otherwise fell within the confidentiality provisions of the underlying contract. On the other hand, the question of whether an arbitration agreement between the assignee and the debtor will come into force in the event of a transfer of a debt is controversial. From the opinion I also agree with; in accordance with positive Turkish and Swiss rights, since, in accordance with the (also) principle of Turkish obligation law, article 188, paragraph 1 and Article 169, paragraph 1 are mentioned. OR the requirement that the debtor`s current status cannot be aggravated in the event of a debt transfer, the debtor`s memoirs against the assignee can generally be invoked by the debtor against the new creditor as soon as the debtor is aware of the transfer (Turkish bond law, Articles 188, 1 and 169 paragraphs. 1 OR) and since the arbitration objection is also a pleading, the debtor should be legally in a position to invoke an arbitration agreement against the authorized creditor (i.e., if the creditor has brought an action in a state court, if he has the right to be adjudicated) – provided the debtor has entered into the arbitration agreement before he is aware of it.  The Court of Cassation 19th Civil Chamber, decision according to the record: 2002/7795E.