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.
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DOSRI Violations in Philippine Banking: Lessons from Apolinario v. People
The Supreme Court's ruling in Apolinario v. People clarifies DOSRI rules, insider lending limits, and director liability in Philippine banking.
Due Process in Foreclosure: Banks Must Personally Notify Mortgagors
The Supreme Court now requires banks to personally notify mortgagors before extrajudicial foreclosure, reversing decades of precedent under Act No. 3135.
Unilateral Interest Rate Hikes When Banks Overstep Their Bounds In Loan Agreements
Philippine Supreme Court rules on void unilateral interest rate hikes by banks, mutuality of contracts, and foreclosure validity.
Just Compensation in Agrarian Cases: Evidence Rules and Interest Lessons from Land Bank v. Macaraeg
Philippine Supreme Court clarifies how courts value agrarian land, weigh evidence, and compute interest on delayed just compensation.
Calculating Redemption Price in Extrajudicial Foreclosures: BPI v. LCL Capital Explained
Learn how Philippine courts compute redemption prices in bank foreclosures under the General Banking Law, based on the Supreme Court's ruling in BPI v. LCL Capital.
Res Judicata and Prescription in Banking Disputes: Key Lessons from Metrobank v. Spouses Uy
The Supreme Court clarifies when a prior judgment bars a later case and how prescription runs in collection suits involving dishonored checks.
Bank Liquidation and Bounced Checks: When Receivership Suspends Criminal Liability
The Supreme Court explains how bank receivership and liquidation affect criminal liability for bounced checks under B.P. 22.
When Bank Receivership Suspends B.P. 22 Liability: What Creditors Should Know
Philippine Supreme Court ruling on how bank receivership suspends check payment obligations and bars B.P. 22 criminal liability for bank officers.
Legal Standing and Procedural Remedies: Key Lessons From a Banking Dispute
A Supreme Court ruling on inordinate delay in preliminary investigation shows how procedural remedies and legal standing work in Philippine courts.
Property Transactions and Novation: Lessons from East West Banking v. Cruz
A Supreme Court ruling clarifies when a bank—or any party—can sue, and why choosing the wrong appeal can end a case.
Just Compensation in Agrarian Reform: When the Land Was Taken Matters
Explaining the Supreme Court's ruling in Land Bank v. Paliza on the reckoning date for just compensation in agrarian reform cases.
Understanding Loan Agreements and Foreclosure: Key Lessons from a Philippine Supreme Court Ruling
A Supreme Court ruling clarifies when banks may foreclose and how courts interpret loan agreements, credit lines, and restructuring contracts in the Philippines.
Just Compensation in Agrarian Reform: Courts Must Independently Verify Land Valuation
The Supreme Court clarifies that courts cannot simply adopt Land Bank's valuation in agrarian cases but must independently determine just compensation.
Loan Agreements and Interest Rates: Lessons from a Philippine Supreme Court Ruling
A Philippine Supreme Court ruling clarifies when banks may impose penalty charges and compound interest under loan restructuring agreements.
Understanding the Limits of Injunctive Relief in Bank Liquidation: A Philippine Perspective
The Supreme Court clarifies when courts may—and may not—issue injunctions against the Bangko Sentral ng Pilipinas during bank liquidation proceedings.
Procedural Missteps in Philippine Civil Litigation: Lessons from Liao Senho v. Philippine Savings Bank
A Supreme Court ruling shows how missing deadlines and filing the wrong pleadings can cost a litigant the case entirely.
Understanding the Prohibition Against Splitting a Cause of Action in Loan and Mortgage Cases
A Supreme Court ruling clarifies when a bank cannot file both foreclosure and collection suits for the same loan obligation.
DST and GRT on Special Savings Accounts: Philippine Veterans Bank Ruling
The Supreme Court ruled special savings accounts are subject to documentary stamp tax and that final withholding taxes count toward gross receipts tax.
Bank Fraud Liability: Why Due Diligence Goes Beyond Checking the Title
A bank that relies solely on a clean title may still be a mortgagee in bad faith. Learn the due diligence standard from a 2021 Supreme Court ruling.
Understanding Government Contract Disallowances: Detailed Engineering and Quantum Meruit
Learn how the Supreme Court ruled on COA disallowances for overestimated embankment materials in government road projects and the limits of quantum meruit.
Unlocking Bank Secrets: The AMLC's Role in Financial Transparency and Criminal Prosecution
The Supreme Court clarifies the AMLC's duty to disclose bank records in criminal cases, balancing confidentiality with prosecution.
Understanding Jurisdiction in Bank Liquidation: Filing Claims Against Closed Banks in the Philippines
Learn how Philippine courts handle claims against closed banks, including the liquidation court's exclusive jurisdiction under RA 7653.
Bank Liability and Jurisdiction in Mortgage Fraud Cases: The Hermosa Savings Bank Ruling
The Supreme Court clarifies which court handles claims against a bank under liquidation, and what this means for creditors.
Bank Liability and Depositor Rights: Fiduciary Duties in the Philippines
The Supreme Court affirms that banks owe depositors extraordinary diligence, and a bank cannot escape liability for its employees' unauthorized acts.