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.
Crypto Regulation in the Philippines: BSP Rules on Virtual Assets Explained
Learn how the BSP regulates cryptocurrency and virtual assets in the Philippines, including licensing rules for VASPs and legal compliance requirements.
BSP Bank Closure Powers: What the Supreme Court Ruling Means for Depositors
The Supreme Court upheld the BSP's power to close banks without prior hearing, protecting depositors while limiting legal challenges.
Overvaluing Property When Does It Become A Crime Under Philippine Banking Laws
The Supreme Court clarifies when a bank appraiser's overvaluation of property becomes a crime under the General Banking Law, requiring proof of intent to influence the bank.
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.
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.
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.
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.
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.
Fiscal Autonomy and Performance-Based Bonuses: The PICCI Case
The Supreme Court ruled that GOCCs with fiscal autonomy, like BSP subsidiaries, are not covered by EO 80's PBB rules.
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.
Foreclosure During Conservatorship: Can a Company's Directors Still Act?
Supreme Court clarifies that a conservator does not replace a company's board; directors may still initiate foreclosure to collect debts.
Revival of Judgment Prescription and Compliance in Banking Disputes
Explore the Supreme Court's ruling on the 10-year prescription period for reviving judgments, applied to a banking dispute.
Revival of Judgment: Prescription Periods and Banking Reorganization Duties
Explaining the Supreme Court's ruling on the 10-year prescriptive period for reviving judgments and its application to banking reorganization obligations.
BSP Authority to Engage Private Counsel and Jurisdiction in Legal Proceedings
Supreme Court clarifies BSP's power to hire private counsel and RTC jurisdiction over real property cases involving assessed value.
Final Liquidation Court Orders Prevail Over Collection Suits: Solidbank v. CA
A final liquidation court order cannot be overturned by a trial court in a separate collection suit, explains the Supreme Court in Solidbank v. CA.
Perfected Contract of Sale When a Preliminary Agreement Becomes Binding
When does a preliminary agreement become a perfected contract of sale? The Supreme Court explains in this Philippine banking liquidation case.
Real Party in Interest and Property Disputes: Standing to Sue Explained
Learn how Philippine courts determine who may sue in property cases, with insights from Lexber v. Dalman on standing and rehabilitation.
Decoding Loan Payments: How Courts Apply Payments to Interest vs Principal in Philippine Law
Philippine Supreme Court clarifies how loan payments are applied to interest before principal, and when chattel mortgages cover future loans.
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.
Monetary Board's Bank Receivership Power Upheld for Public Protection
Supreme Court affirms Monetary Board's power to place banks under receivership without prior hearing, citing the "close now, hear later" doctrine.
Waiver of Demand and Interest Rate Limits in Philippine Loan Agreements
The Supreme Court clarifies when demand is unnecessary before default and why courts reduce excessive stipulated interest rates.
Supreme Court Acquits IMC General Manager But Affirms Convictions in P116M Graft Case
SC ruling clarifies evident bad faith in graft cases, acquitting an IMC official who relied on subordinates while affirming convictions of others.
Res Judicata and Forum Shopping in Foreclosure Disputes: Villanueva v. Court of Appeals
The Supreme Court explains how res judicata and forum shopping bar repeated challenges to loan interest rates and foreclosure proceedings.