Sunday, January 27, 2013

Special Commercial Laws Complete and Updated Course Syllabus


I. Letters of Credit

A. Definition/concept

B. Governing laws

C. Nature of letter of credit

D. Parties to a letter of credit
           
1. Rights and obligations of parties

E. Basic principles of letter of credit

1. Doctrine of independence
2. Fraud exception principle
3. Doctrine of strict compliance

            Cases:

1. Metropolitan Waterworks and Sewerage System v. Hon. Reynaldo B. Daway and Maynilad Water Services, Inc., G.R. No. 160732, June 21, 2004

2. Mico Metals Corp. v. Court of Appeals and Philippine Bank of Communications, G.R. No. 117914, Feb. 1, 2002

3. Transfield Philippines, Inc. v. Luzon Hydro Corporation, Australia and New Zealand Banking Group Limited and Security Bank Corporation, G.R. NO. 146717, Nov. 22, 2004






II. Warehouse Receipts Law (Act No. 2137)

A. Nature and functions of a warehouse receipt

·       Definition and nature of Warehouse Receipts
·       Purpose of the Law
·       Who may issue Warehouse Receipts
·       Form and content of Warehouse Receipts
·       Effect of omission of any of the essential terms
·       Terms that cannot be included

1. To whom delivered

2. Kinds

3. Distinctions between a negotiable instrument and a negotiable warehouse receipt

4. Rights of a holder of a negotiable warehouse receipt as against a transferee of a nonnegotiable warehouse receipt

B. Duties of a warehouseman

·       Who is a warehouseman
·       Principal obligations of a warehouseman
·       Lawful excuses to deliver goods
·       In case of misdelivery
·       Altered receipts
·       Liability of warehouseman

C. Warehouseman’s lien

·       Extent
·       Loss and waiver of lien
·       Enforcement

Other topics:

D.  Negotiation and transfer of receipts

E.  Criminal offenses
 

III. Trust Receipts Law (Pres. Decree No. 115)

Purpose of the Law
            Trust Receipts, Definition
            Trust Receipt Transaction, Definition
            Parties to a Trust Receipt
            Importance of Trust Receipts
            Difference of Trust Receipts and Letters Of Credit

A. Definition/concept of a trust receipt transaction
1. Loan/security feature
2. Ownership of the goods, documents and instruments under a trust receipt

B. Rights of the entruster

1. Validity of the security interest as against the creditors of the entrustee/innocent purchasers for value

C. Obligations and liability of the entrustee

1. Payment/delivery of proceeds of sale or disposition of goods, documents or instruments
2. Return of goods, documents or instruments in case of sale
3. Liability for loss of goods, documents or instruments
4. Penal sanction if offender is a corporation

D. Remedies available

            Cases:

1. Development Bank of the Philippines v. Prudential Bank, G.R. No. 143772, Nov. 22, 2005
2. Landl & Company (Phil.) Inc., et al v. Metropolitan Bank, G.R. No. 159622, July 30, 2004
3. Anthony L. Ng v. People of the Philippines, G.R. NO. 173905, April 23, 2010


IV. The Chattel Mortgage Law (Act 1508 in rel. to Arts. 1484, 1485, 2140 and 2141 of the Civil Code)

Preliminaries:
Definition of Chattel Mortgage
            Characteristics
            Distinguished for Pledge
           

A. Essential requisites

B. Formal requisites

C. Registration, when and where

E. After-acquired property

F. After-incurred obligation

G. Right of junior mortgagee

H. Foreclosure procedure           

I. Redemption

J. Claim for deficiency

1. General rule
2. Exception
3. Article 1484

Cases:

1.    Union Bank v. Juniat, et al., G.R. No. 171569, August 1, 2011
2.    Acme Shoe Rubber & Plastic Corp and Chua Pac v. Hon. Court of Appeals, Producers Bank of the Philippines and Regional Sheriff of Caloocan City, G.R. No. 103576, August 22, 1996
3.    Servicewide Specialists, Inc. v. Court of Appeals, Hilda Tee, and Alberto Villarica, G.R. No. 11408, November 19, 1999


V. Real Estate Mortgage Law (Act 3135, as amended by R.A. 4118)

Preliminaries:
Arts. 2124-2131 Civil Code
Definition of Real Estate Mortgage
            Characteristics of REM
            Essential Requisites
            Registration Requirement

A. Coverage

B. Remedies available to mortgagee upon default of the mortgagor

C. Need for special power of attorney

D. Authority to foreclose extrajudicially

E. Procedure

1) Where to file
2) Where to sell
3) Posting requirement
4) Publication requirement

a. Sufficiency of newspaper publication
b. Need for republication in case of postponement
c. Personal notice to the mortgagor when and when not needed

F. Possession by purchaser of foreclosed property

G. Remedy of debtor if foreclosure is not proper

H. Redemption

a. Who may redeem
b. Amount of redemption price
c. Period for redemption
d. Effect of pendency of action for annulment of sale

I. Writ of possession

a. Ministerial duty of the court
b. Enforcement against third parties
c. Pendency of action for annulment of sale

J. Annulment of sale
   
Cases:

1.    Fortune Motors Phils. v. Metropolitan Bank and Trust Company, G.R. No. 115068, November 28, 1996
2.    GC Dalton Industries Inc. v. Equitable PCI Bank, G.R. No. 171169, August 24, 2009
3.    Development Bank of the Philippines v. Environmental Aquatics Inc., G.R. No. 174329, October 20, 2010
4.    Sps. Victor and Grace Ong v. Court of Appeals, G.R. No. 121494, June 8, 2000
5.    Sps. Basilio and Norma Hilaga v. Rural Bank of Isulan, G.R. No. 179781, April 7, 2010



VI. Truth in Lending Act (R.A. 3765)


            Preliminaries:             Rep. Act No. 3765
                                    Central Bank Circular No. 158 (Oct. 29, 1963)

A. Purpose

B. Obligation of creditors to person to whom credit is extended

C. Covered and excluded transactions

D. Consequences of non-compliance with obligation


            Cases:

1.    Development Bank of the Philippines v. Felipe Arcilla, G.R. No. 161397, 161426, June 30, 2005
2.    United Coconut Planters Bank v. Sps. Beluso, G.R. No. 159912, August 17, 2007


VII. Anti-money Laundering Law (R.A. 9160, as amended by R.A. 9194)

A. Policy of the law

B. Covered institutions

C. Obligations of covered institutions

D. Covered transactions

E. Suspicious transactions

F. When is money laundering committed

G. Unlawful activities or predicate crimes

H. Anti-money laundering council

             I. Functions

J. Freezing of monetary instrument or property

K. Authority to inquire into bank deposits


Cases:

1.    Republic of the Philippines v. Hon. Antonio Eugenio, Jr., G.R. No. 174629, February 14, 2008
2.    Republic of the Philippines v. Glasgow Credit and Collection Services Inc., G.R. No. 170281, January 18, 2008


VIII. Foreign Investments Act (R.A. 7042)

A. Policy of the law

B. Definition of terms

a) Foreign investment
b) “Doing business” in the Philippines
c) Export enterprise
d) Domestic market enterprise

C. Registration of investments of non-Philippine nationals

D. Foreign investments in export enterprises

E. Foreign investments in domestic market enterprises

F. Foreign investment negative list

Cases:
1.     Alfred Hahn v. Court of Appeals, G.R. No. 113704, January 22, 1997
2.     Cargrill Inc. v. Intra Strata Assurance Corp., G.R. No. 168266, March 15, 2010 
3.     Agiagilent Technologies Singapore v. Integrated Silicon Technology, G.R. No. 154618, April 14, 2004 

IX. Securities Regulations Code (R.A. 8799)

A. State policy (purpose)

            Case:
           
1. Abacus Securities Corp. v. Ruben U. Ampil, G.R. NO. 160016, February 27, 2006

B. Powers and functions of the SEC

1. Regulatory
2. Adjudicative

                        Case:

1. CEMCO Holdings, Inc. v. National Life Insurance Company of
the Philippines, Inc., G.R. No. 171815, August 7, 2005           

C. Securities required to be registered

1. Exempt securities
2. Exempt transactions

            Case:

1. Securities and Exchange Commission v. Prosperity.com, G.R. No. 164197, January 25, 2012
2. Power Homes Unlimited Corp. v. Securities and Exchange Commission, G.R. No. 164182, February 26, 2008

D. Procedure for registration of securities
E. Prohibitions on fraud, manipulation and insider trading

1. Manipulation of security prices
2. Short sales
3. Fraudulent transactions
4. Insider trading

F. Protection of investors

                        1. Tender offer rule
2. Rules on proxy solicitation
3. Disclosure rule

G. Civil liability


X. Electronic Commerce Act (R.A. 8792)

A. State policy

B. Coverage

            1. Electronic Data Message
            2. Electronic Signature
            3. Electronic Document
            4. Electronic Key

C. Legal Recognition

D. Admissibility and Evidential Weight

E. Electronic Contracts

            1. Actions Related to Contracts of Carriage of Goods

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