Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
Bank Liability in Foreign Exchange Transactions: The Reyes v. Far East Bank Standard
When are banks liable for dishonored foreign exchange drafts? The Supreme Court clarifies the diligence standard in Reyes v. Far East Bank.
Bank Foreclosure Redemption: When the One-Year Period Runs and What Law Applies
Philippine Supreme Court clarifies the one-year redemption period for bank foreclosures and the correct redemption price under the General Banking Act.
Non-Negotiable Withdrawal Slips: Bank Liability for Delayed Dishonor Notices
When a bank delays notice of dishonor on non-negotiable withdrawal slips, is it liable for damages? The Supreme Court explains.
Check Fraud and Bank Liability: Lessons from Ford Philippines vs. Citibank and PCIBank
Philippine Supreme Court ruling on bank liability for fraudulently negotiated checks, crossing, due diligence, and comparative negligence.
Acquittal Based on Reasonable Doubt Extends to Co-Accused Despite Withdrawn Appeal
Philippine Supreme Court ruling on how an acquittal based on reasonable doubt affects co-accused and withdrawn appeals in criminal cases.
Accretion vs. Avulsion: How River Course Changes Affect Land Ownership in the Philippines
Learn how Philippine law treats land gained or lost through river shifts—accretion, avulsion, and erosion explained with the Bagaipo case.
Decoding Marginal Deposits: How Contract Clarity Prevents Banking Disputes in the Philippines
Learn from Security Bank v. Transworld how ambiguous trust receipt terms on marginal deposits led to a decade-long dispute.
Escheat of Unclaimed Bank Deposits in the Philippines: Procedure and Due Process
Learn how Philippine escheat law works for unclaimed bank deposits, why publication is required, and why certiorari cannot replace a missed appeal.
Loan Restructuring and Surety Release: Key Protections for Guarantors in Philippine Law
Philippine Supreme Court ruling on when loan restructuring releases a surety from liability, and what guarantors must know about their rights.
Unmasking Trust Receipts When a Loan Is Not What It Seems in Philippine Law
When is a trust receipt really just a loan? The Supreme Court clarifies in Colinares v. Court of Appeals.
Equity vs Right of Redemption: Key Lessons From Huerta Alba Resort on Philippine Foreclosure Law
Philippine Supreme Court clarifies the difference between equity of redemption and statutory right of redemption in foreclosure cases.
When a Civil Case Does Not Stop a Criminal Estafa Charge: Trust Receipts Explained
A civil suit to nullify trust receipts does not automatically suspend criminal estafa proceedings. The Supreme Court explains when a prejudicial question exists.
Breach of Banking Duty: Bank Liable for Mortgage Fraud Due to Negligence in Identifying Impostors
Philippine Supreme Court holds bank liable for mortgage fraud when it failed to verify impostors' identity, applying the last clear chance doctrine.
Mortgage in Bad Faith: Due Diligence in Unregistered Land Transactions
When a bank fails to verify ownership of unregistered land before accepting it as collateral, it acts in bad faith and loses protection as a mortgagee.
Tourist Duty Free Shops v. Sandiganbayan: Limits of PCGG Sequestration and Litis Pendentia
The Supreme Court clarifies when litis pendentia applies and the limits of PCGG sequestration powers over corporations.
Privity of Contract in the Philippines: Why Third Parties Are Not Bound by Your Agreement
Learn how privity of contract protects banks and third parties from obligations they never agreed to, explained through the Villalon case.
Notice of Dishonor Under BP 22: Why Actual Receipt Matters in Bouncing Check Cases
Under BP 22, a bounced check issuer can only be convicted if properly notified of dishonor. The Betty King case shows why actual notice is crucial.
Homestead Redemption After Foreclosure: The 5-Year Right Under the Public Land Act
Homesteaders have a five-year right to repurchase foreclosed land under the Public Land Act, even after a bank consolidates title.
When Banks Lose the Right to Collect: Estoppel in Foreclosure Deficiency Claims
When can a bank be barred from collecting a foreclosure deficiency? The Supreme Court explains estoppel's limits in PNB v. Court of Appeals.
Mortgage Foreclosure After Death of a Debtor: Creditor Options in the Philippines
When a mortgagor dies, creditors have three legal options. Learn how extrajudicial foreclosure works under Philippine law.
Hulidap Defense in Philippine Drug Cases: Why It Usually Fails
The Supreme Court explains why the "hulidap" defense rarely succeeds in drug cases and what accused persons must prove to overcome it.
Mandatory PCHC Arbitration for Bank Check Disputes in the Philippines
Philippine banks must settle check clearing disputes through PCHC arbitration before going to court, as explained in Allied Banking v. Court of Appeals.
Don't Get Trapped by Your Signature: How Estoppel Affects Home Construction Loans in the Philippines
A homeowner signed loan release documents, then tried to disown them. The Supreme Court applied estoppel—here's what that means for borrowers.
Protecting Loan Security: How Mortgagees Can Secure Insurance Claims in the Philippines
Learn how mortgagees can secure insurance proceeds under Philippine law, based on the Supreme Court's ruling in Rizal Commercial Banking Corp. v. Goyu & Sons.