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.
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.
Probable Cause and Syndicated Estafa: Key Insights from a Landmark Philippine Supreme Court Case
The Supreme Court clarifies probable cause, syndicated estafa, and conspiracy in Debuque v. Nilson, a landmark ruling on criminal procedure.
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.
When Foreclosure Threatens Your Home: Buyer Protection Under PD 957 Explained
Learn how the Supreme Court protects condominium and subdivision buyers from summary eviction through writs of possession after foreclosure.
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 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.
The Fiduciary Duty of Banks in Loan Accounting: A Guide to Metrobank v. Cruz
The Supreme Court affirms that banks owe clients a fiduciary duty to keep accurate loan records and render full accounting, beyond any internal retention policy.
Abuse of Rights in Philippine Law: A Case Study on Mortgage and Property Transactions
The Supreme Court clarifies the abuse of rights principle under Article 19, showing when a bank employee's blunt remarks do not amount to bad faith.
Garnishment and Legal Compensation in Banking: The BPI v. Central Bank Case
Learn how the Supreme Court ruled on bank liability, garnishment, and clearing house operations in BPI v. Central Bank.
When a Bank Fails: Jurisdiction Over Claims Against Banks Under Liquidation
Philippine Supreme Court rules on which court hears claims against a bank placed under PDIC liquidation, voiding orders from a court without jurisdiction.
Bank Liability for Forged Checks: Protecting Your Accounts in the Philippines
When a bank pays a forged check, it bears the loss. Learn the rules on bank liability and depositor rights.
Consent in Contracts: Supreme Court Voids Mortgage for Lack of Genuine Agreement
Supreme Court voids mortgage where a bank misled an elderly woman into signing a loan document she believed was a mere guarantee.
Forged Signatures and Bank Liability: Upholding Due Diligence in Loan Transactions
When a bank honors a forged check, it bears the loss. The Supreme Court explains why in PNB v. Giron-Roque.
Guarantee vs Suretyship: How Waiving Excussion Changes Liability
The Supreme Court clarifies when a "guarantee" becomes a suretyship, and why a rehabilitation stay order does not protect a surety.
Pre-Approved Credit Cards: Consent to Terms Must Be Proven
Banks must prove cardholders consented to credit card terms. Without proof, only legal interest applies.
Mortgage Foreclosure and Third-Party Property: UCPB's Duty to Protect Borrower Interests
When a bank forecloses property mortgaged by a third party without the owner's consent, the Supreme Court protects the true owner's rights.
When a Mortgage on Trust Property Is Void: UCPB v. Spouses Chua
The Supreme Court rules that a bank cannot foreclose on properties held in trust when the trustee had no authority to mortgage them.
Breach of Contract When Personal Notice in Foreclosure Is a Must
When a mortgage contract requires personal notice of foreclosure, the bank must comply—or the sale is void.
Foreign Currency Deposits and Joint Accounts: Consent Requirements in Estate Proceedings
Philippine Supreme Court rules on consent requirements for withdrawing from joint foreign currency deposit accounts during estate settlement.
Presumption of Consideration: Bank's Good Faith Upholds Mortgage Despite Forged Deed Claim
Supreme Court rules a bank's good faith reliance on a Torrens title protects its mortgage even if the prior deed was allegedly forged.
CBA vs Bank Policy: Protecting Workers' Rights Against Unilateral Loan Changes
Supreme Court rules banks cannot impose credit-check requirements on CBA salary loans without negotiating with the union first.
Mortgage in Good Faith: Protecting Lenders in Philippine Real Estate Transactions
The Supreme Court explains how the mortgagee-in-good-faith doctrine shields lenders who rely on a clean Torrens title, even if fraud taints the chain.
Mortgagee in Good Faith: Protecting Lenders in Real Estate Transactions
Learn how the Supreme Court protects mortgagees in good faith who rely on Torrens titles, and what this means for lenders.