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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Custodia Legis: When Courts Cannot Touch Funds Held by Another Court
Explaining the custodia legis rule from Solidbank v. Goyu & Sons: a court cannot interfere with funds under another court's control.
Housing Loan Foreclosure: Employee Rights and Lender Obligations Under Philippine Law
When can a bank foreclose on an employee housing loan? The Supreme Court explains the limits of RA 6552 and lender rights.
When Banks Can Rely on Clean Titles: Mortgagee in Good Faith Explained
The Supreme Court explains when a bank that accepts a mortgage on a clean title becomes a mortgagee in good faith, even if the title later proves defective.
Credit Card Suspension: When Banks Must Answer for Negligence and Damages
Philippine Supreme Court ruling on credit card suspension, bank negligence, and cardholder rights to moral and exemplary damages.
Good Faith vs Actual Knowledge: Resolving Land Disputes in the Philippines
Philippine Supreme Court ruling on finality of judgments, petitions for relief, and banks' duty of diligence in land mortgage disputes.
Mortgage Disputes, Good Faith, and Final Judgments in Philippine Foreclosure
Philippine Supreme Court ruling on mortgage foreclosure, good faith of banks, and the finality of judgments in property disputes.
When a Bank's Failure to Release Full Loan Invalidates a Mortgage: PNB v. Tajonera
A bank that fails to release the full approved loan breaches its reciprocal obligation, making the mortgage securing that loan unenforceable.
Altered Checks and Bank Liability: Who Pays the Price of Forgery
When a bank clears an altered check, who bears the loss? The Supreme Court clarifies liability rules in Areza v. Express Savings Bank.
Bank Officials' Fiduciary Duty and Estafa Through Falsification of Documents
Supreme Court clarifies when a demurrer to evidence in estafa cases involving bank officials may be reviewed despite double jeopardy.
Upholding Real Estate Mortgage Validity Forgery Claims AND DUE Diligence IN Banking Transactions
Burden OF Proof IN Deficiency Claims Banks Duty TO Substantiate Foreclosure Amounts
Mutuality of Contracts: When Banks Cannot Unilaterally Raise Interest Rates
Philippine Supreme Court ruling on Silos v. PNB explains why unilateral interest rate hikes violate the mutuality principle in loan contracts.
Executive Agreements Override Procurement Laws: Land Bank v. Atlanta Industries
When a foreign-funded project follows an executive agreement's procurement rules, RA 9184 yields—explained in Land Bank v. Atlanta Industries.
When a Writ of Possession Is Ministerial: The Sombilon Case on Foreclosure and Lawyers' Purchase Limits
The Supreme Court clarifies when courts must issue writs of possession after foreclosure and whether lawyers may buy property from banks.
Finality of Judgment and the Fresh Period Rule: Timely Appeals in Philippine Civil Procedure
Learn how the Supreme Court applied the fresh period rule and finality of judgment principles in Eserjose v. Allied Banking Corporation.
When Do Government Employees Lose Their Right to Allowances After Integration
Explaining when COLA and other allowances are deemed integrated into basic salary under the Salary Standardization Law, citing Land Bank v. Naval.
Mortgage in Good Faith: Banks vs Unregistered Land Sales in the Philippines
When does a bank lose protection as a mortgagee in good faith? The Supreme Court clarifies the rule on unregistered land sales.
Possession Is Key: Unpaid Trust Certificates and Bank Liability in the Philippines
Philippine Supreme Court rules that a bank client holding original unpaid trust certificates can enforce payment, even years after maturity.
Mutuality of Contracts: Banks Cannot Unilaterally Impose Interest Rate Hikes on Loans
Philippine National Bank v. Manalo clarifies that banks cannot unilaterally raise loan interest rates without borrower consent under Article 1308 of the Civil Code.
Protecting Homebuyers: PD 957 Prevails Over Bank Mortgages in Subdivision Sales
Supreme Court rules banks must honor PD 957 protections for subdivision buyers, even when properties are mortgaged to secure developer loans.
Breach of Fiduciary Duty Banks Must Uphold Transparency in Trust Accounts
Philippine Supreme Court ruling on Land Bank v. Oñate clarifies banks' fiduciary duties, transparency obligations, and liability for undocumented trust account withdrawals.
Breach of Contract and Banks' Liability: Understanding Hold Out Clauses in Deposit Agreements
When can a bank freeze a depositor's account? The Supreme Court explains the limits of "hold out" clauses in deposit agreements.
Contractual Obligations Prevail Enforcing Notice Requirements In Foreclosure Sales
When a mortgage contract requires personal notice of foreclosure, the bank must comply—or the sale may be void.
Writ of Possession After Foreclosure: When the Surplus Must Be Returned
Philippine Bank of Communications v. Yeung clarifies when a writ of possession issues after foreclosure and how sale surpluses are handled.