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	<title>Philippine e-Legal Forum &#187; Banking</title>
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	<link>http://jlp-law.com/blog</link>
	<description>Philippine laws and legal system (JLP-Law blog)</description>
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		<title>No One can be Imprisoned for Non-Payment of Debt</title>
		<link>http://jlp-law.com/blog/no-one-can-be-imprisoned-for-non-payment-of-debt/</link>
		<comments>http://jlp-law.com/blog/no-one-can-be-imprisoned-for-non-payment-of-debt/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 02:22:21 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Criminal Law]]></category>
		<category><![CDATA[Elections and Constitutional Law]]></category>
		<category><![CDATA[bouncing checks]]></category>
		<category><![CDATA[BP 22]]></category>
		<category><![CDATA[Constitution]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/?p=1064</guid>
		<description><![CDATA[Perhaps you&#8217;ve heard someone making threats to file criminal cases against debtors who fail to pay. Yet you&#8217;ve heard the statement that no one can be imprisoned simply because of a debt. This is a basic principle and we thought we already have a discussion on this topic. We indeed have such discussion but we [...]
No related posts.]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/no-one-can-be-imprisoned-for-non-payment-of-debt/feed/</wfw:commentRss>
		<slash:comments>33</slash:comments>
		</item>
		<item>
		<title>Liability of a Co-Maker: Distinguished from Guarantor</title>
		<link>http://jlp-law.com/blog/liability-of-a-co-maker-distinguished-from-guarantor/</link>
		<comments>http://jlp-law.com/blog/liability-of-a-co-maker-distinguished-from-guarantor/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 06:53:50 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Corporate and Investments]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/?p=905</guid>
		<description><![CDATA[Maybe you&#8217;ve been asked by a friend to sign as a co-maker in a loan. You&#8217;re then asked to sign a promissory note or a debt instrument which designates you as a co-maker. There should be no problem with this, as the principal is usually someone we know and trust. I&#8217;ve seen, however, co-makers being [...]
No related posts.]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/liability-of-a-co-maker-distinguished-from-guarantor/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Primer on the Personal Equity and Retirement Account (PERA) Act</title>
		<link>http://jlp-law.com/blog/primer-on-the-personal-equity-and-retirement-account-pera-act/</link>
		<comments>http://jlp-law.com/blog/primer-on-the-personal-equity-and-retirement-account-pera-act/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 06:14:45 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Corporate and Investments]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/primer-on-the-personal-equity-and-retirement-account-pera-act/</guid>
		<description><![CDATA[What is PERA? PERA stands for  “Personal Equity and Retirement Account ,” which refers to the voluntary retirement account established by and for the exclusive use and benefit of the Contributor for the purpose of being invested solely in PERA investment products in the Philippines. The Contributor shall retain the ownership, whether legal or beneficial, [...]
Related posts:<ol>
<li><a href='http://jlp-law.com/blog/forced-early-retirement/' rel='bookmark' title='Forced Early Retirement'>Forced Early Retirement</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/primer-on-the-personal-equity-and-retirement-account-pera-act/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Primer on the Credit Information System Act (RA 9510)</title>
		<link>http://jlp-law.com/blog/primer-on-the-credit-information-system-act-ra-9510/</link>
		<comments>http://jlp-law.com/blog/primer-on-the-credit-information-system-act-ra-9510/#comments</comments>
		<pubDate>Wed, 18 Feb 2009 10:29:32 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Bar Exams & Bar Matters]]></category>
		<category><![CDATA[Corporate and Investments]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/?p=683</guid>
		<description><![CDATA[What is the policy behind the &#8220;Credit Information System Act&#8221;? This law, Republic Act No. 9510, is consistent with the need to establish a comprehensive and centralized credit information system for the collection and dissemination of fair and accurate information relevant to, or arising from, credit and credit-related activities of all entities participating in the [...]
Related posts:<ol>
<li><a href='http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/' rel='bookmark' title='Task force to target credit card fraudsters'>Task force to target credit card fraudsters</a></li>
<li><a href='http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/' rel='bookmark' title='Credit cards and unfair collection practices'>Credit cards and unfair collection practices</a></li>
<li><a href='http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/' rel='bookmark' title='Credit Cards and Access Devices Regulation: Explained'>Credit Cards and Access Devices Regulation: Explained</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/primer-on-the-credit-information-system-act-ra-9510/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Cards and Access Devices Regulation: Explained</title>
		<link>http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/</link>
		<comments>http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/#comments</comments>
		<pubDate>Fri, 26 Oct 2007 13:24:32 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/</guid>
		<description><![CDATA[What is the &#8220;Access Devices Regulation Act of 1998&#8243;? It is Republic Act No. 8484, which is an act regulating the issuance and use of access devices and prohibiting the fraudulent acts committed relative thereto, among others. By enacting this legislation, the State recognizes the recent advances in technology and the widespread use of access [...]
Related posts:<ol>
<li><a href='http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/' rel='bookmark' title='Credit cards and unfair collection practices'>Credit cards and unfair collection practices</a></li>
<li><a href='http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/' rel='bookmark' title='Task force to target credit card fraudsters'>Task force to target credit card fraudsters</a></li>
<li><a href='http://jlp-law.com/blog/dti-disallows-higher-price-of-purchases-paid-through-cards/' rel='bookmark' title='DTI disallows higher price of purchases paid through cards'>DTI disallows higher price of purchases paid through cards</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Truth in Lending Act explained</title>
		<link>http://jlp-law.com/blog/truth-in-lending-act-explained/</link>
		<comments>http://jlp-law.com/blog/truth-in-lending-act-explained/#comments</comments>
		<pubDate>Mon, 08 Oct 2007 13:17:14 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Corporate and Investments]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/truth-in-lending-act-explained/</guid>
		<description><![CDATA[What is the &#8220;Truth in Lending Act&#8221;? It is Republic Act No. 3765, which is an act requiring the disclosure of finance charges in connection with the extension of credit. What is the policy behind the Truth in Lending Act? The declared policy behind the law is to protect the people from lack of awareness [...]
Related posts:<ol>
<li><a href='http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/' rel='bookmark' title='Credit Cards and Access Devices Regulation: Explained'>Credit Cards and Access Devices Regulation: Explained</a></li>
<li><a href='http://jlp-law.com/blog/basics-of-lending-company-regulation-act-of-2007-ra-9474/' rel='bookmark' title='Basics of the Lending Company Regulation Act of 2007 (RA 9474)'>Basics of the Lending Company Regulation Act of 2007 (RA 9474)</a></li>
<li><a href='http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/' rel='bookmark' title='Task force to target credit card fraudsters'>Task force to target credit card fraudsters</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/truth-in-lending-act-explained/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Criminal Cases and Insolvency</title>
		<link>http://jlp-law.com/blog/criminal-cases-and-insolvency/</link>
		<comments>http://jlp-law.com/blog/criminal-cases-and-insolvency/#comments</comments>
		<pubDate>Mon, 25 Jun 2007 09:45:54 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Corporate and Investments]]></category>
		<category><![CDATA[Criminal Law]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/criminal-cases-and-insolvency/</guid>
		<description><![CDATA[I often come across debtors dropping the hint of filing, or actually filing, a case for insolvency or bankruptcy just to bring home the (alleged) point that they have nothing more to cough out. It is true that once a petition for insolvency is granted, the debtor-insolvent is discharged from all his existing debts. The [...]
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<li><a href='http://jlp-law.com/blog/preliminary-investigation-criminal-cases/' rel='bookmark' title='Preliminary Investigation in Criminal Cases'>Preliminary Investigation in Criminal Cases</a></li>
<li><a href='http://jlp-law.com/blog/liability-of-a-co-maker-distinguished-from-guarantor/' rel='bookmark' title='Liability of a Co-Maker: Distinguished from Guarantor'>Liability of a Co-Maker: Distinguished from Guarantor</a></li>
<li><a href='http://jlp-law.com/blog/presidential-decree-no-1829-penalizing-obstruction-of-apprehension-of-criminal-offenders/' rel='bookmark' title='Presidential Decree No. 1829: Penalizing Obstruction of Apprehension of Criminal Offenders'>Presidential Decree No. 1829: Penalizing Obstruction of Apprehension of Criminal Offenders</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/criminal-cases-and-insolvency/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit cards and unfair collection practices</title>
		<link>http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/</link>
		<comments>http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/#comments</comments>
		<pubDate>Sat, 23 Jun 2007 04:26:53 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Litigation and Labor Law]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/</guid>
		<description><![CDATA[There are a number of good reasons in favor of having and using a credit card. Still, we all know the possible adverse results in the unchecked use of &#8220;plastics&#8221; or credit cards, such as this one: THERE&#8217;S a credit-card horror story that&#8217;s become some sort of an urban legend: A television personality, after losing [...]
Related posts:<ol>
<li><a href='http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/' rel='bookmark' title='Credit Cards and Access Devices Regulation: Explained'>Credit Cards and Access Devices Regulation: Explained</a></li>
<li><a href='http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/' rel='bookmark' title='Task force to target credit card fraudsters'>Task force to target credit card fraudsters</a></li>
<li><a href='http://jlp-law.com/blog/dti-disallows-higher-price-of-purchases-paid-through-cards/' rel='bookmark' title='DTI disallows higher price of purchases paid through cards'>DTI disallows higher price of purchases paid through cards</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Task force to target credit card fraudsters</title>
		<link>http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/</link>
		<comments>http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/#comments</comments>
		<pubDate>Mon, 30 Oct 2006 04:53:23 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/</guid>
		<description><![CDATA[The PIA reports that the President issued Executive Order No. 573, creating an Anti-Fraud Task Force composed of the National Bureau of Investigation (NBI) and the Philippine National Police (PNP) to strengthen Republic Act 8484, or the &#8220;Access Device Regulation Act of 1998&#8243;. The occurrence of credit card fraud is increasing and acquiring banks incur [...]
Related posts:<ol>
<li><a href='http://jlp-law.com/blog/credit-cards-and-unfair-collection-practices/' rel='bookmark' title='Credit cards and unfair collection practices'>Credit cards and unfair collection practices</a></li>
<li><a href='http://jlp-law.com/blog/credit-cards-access-devices-regulation-explained/' rel='bookmark' title='Credit Cards and Access Devices Regulation: Explained'>Credit Cards and Access Devices Regulation: Explained</a></li>
<li><a href='http://jlp-law.com/blog/primer-on-the-credit-information-system-act-ra-9510/' rel='bookmark' title='Primer on the Credit Information System Act (RA 9510)'>Primer on the Credit Information System Act (RA 9510)</a></li>
</ol>]]></description>
		<wfw:commentRss>http://jlp-law.com/blog/task-force-to-target-credit-card-fraudsters/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Consumer protection in electronic banking (e-banking), e-commerce</title>
		<link>http://jlp-law.com/blog/consumer-protection-in-electronic-e-banking-commerce/</link>
		<comments>http://jlp-law.com/blog/consumer-protection-in-electronic-e-banking-commerce/#comments</comments>
		<pubDate>Wed, 20 Sep 2006 00:01:18 +0000</pubDate>
		<dc:creator>Atty. Fred</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://jlp-law.com/blog/consumer-protection-in-electronic-e-banking-commerce/</guid>
		<description><![CDATA[The Bangko Sentral ng Pilipinas (BSP) recently issued Circular No. 542, providing for consumer protection for electronic banking. The salient features of Circular No. 542 are: 1. With the growth of e-banking and e-commerce, banks should use reliable methods of originating new customer accounts, ensuring strict adherence to the usual &#8220;KYC&#8221; or &#8220;know your clients&#8221; [...]
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		<slash:comments>1</slash:comments>
		</item>
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