Local authorities that have adopted such a policy explain their approach on the grounds that many persons involved in such transactions do not properly verify the extent of the s106 obligations published in the local cadastre and that the obligation to sign a contractual deed highlights the issue of compliance with the commitment. Section 106A(11) of the 1990 Act provides that a planning obligation may be modified or fulfilled (at any time) by an agreement between the competent authority and the person or person against whom it is enforceable. The competent authority is the Mayor of London (if he can apply the planning obligation), the Secretary of State (if it is a licensing obligation) and the local planning authority (in all other cases). CIL regulations: include in the legislation the tests described previously in the guidelines, which is a legal obligation (Rule 122); and limit the nature and number of section contributions that can be secured for infrastructure (the pooling restriction in Regulation 123). Rule 122 provides that an obligation may be taken into consideration as a reason for granting a building permit only if this is the case: the modern practice of contract design under section 106 normally excludes purchasers of individual dwellings (and lenders of each house) from the liability of some or all planning obligations. This is usually because the local authority recognizes that houses or dwellings might not be able to be exploited if a right could be invoked against the owner. However, this issue needs to be examined very carefully, since not all planning obligations contain the corresponding exclusion clause and there may be restrictions on the application of an exclusion clause. Agreements under Section 106 are generally concluded following a decision to grant a building permit by a local planning authority to mitigate the effects of new developments, and contain provisions for securing on-site and off-site infrastructure, financial contributions and other mitigation measures. . .