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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BSP Circular 1108 VASP Guidelines: Licensing, Capital, and Compliance Rules
BSP Circular 1108 sets the VASP guidelines in the Philippines, covering licensing, capital, wallet security, and reporting duties for virtual asset firms.
Payment System Operator Registration with the BSP: A Step-by-Step Guide
Learn how to register as an Operator of a Payment System with the Bangko Sentral ng Pilipinas under RA 11127 and BSP Circular No. 1049.
VASP License Philippines Requirements: How to Get a BSP Certificate of Authority
VASP license Philippines requirements explained: secure a BSP Certificate of Authority as a money service business, meet capital rules, and comply with Circular 1108.
BSP Anti-Money Laundering Regulations for Covered Institutions
Learn which institutions the BSP anti-money laundering regulations cover, their AML duties, and key rules under BSP Circular No. 950.
Digital Bank Licensing in the Philippines: BSP Circulars 1105 and 1154
How BSP Circular 1105 and Circular 1154 govern digital bank licensing in the Philippines, from the P1.0 billion capital rule to the application process.
BSP Circular No. 1166: Electronic Money Regulations in the Philippines Explained
BSP Circular No. 1166 governs electronic money issuance and e-money issuers in the Philippines. Learn the rules on liquidity, capital, and consumer protection.
Philippine Franchise International Expansion: Master Franchise and Export Rules
Philippine franchise international expansion involves a master franchise agreement, IP licensing rules, and BSP foreign exchange registration for inbound royalties.
Foreign Exchange Rules for Foreign Investors in the Philippines
Foreign exchange rules for foreign investors in the Philippines: BSP registration, reporting deadlines, and penalties under Circular No. 1197 explained.
Consumer Finance Rules in the Philippines: Truth in Lending and Disclosure
Consumer finance rules in the Philippines require lenders to disclose finance charges before credit is extended, under the Truth in Lending Act and BSP rules.
Open Finance Framework Philippines: What BSP Circular 1122 Requires
The Open Finance Framework in the Philippines lets customers share their financial data with qualified providers under BSP Circular No. 1122. Here is how it works.
Registering a Branch Office of a Foreign Corporation in the Philippines
How a foreign corporation registers a branch office in the Philippines: SEC requirements, resident agent rules, and the BSP registration of inward capital.
Operators of Payment System Registration Rules Under BSP Circular No. 1191
Learn the BSP registration rules for operators of payment systems under the MORPS, including who must register, how, and what compliance requires.
Quasi-Banking License Philippines: What NBQBs Are and How They Are Regulated
A quasi-banking license in the Philippines allows a non-bank to borrow funds from the public. Learn who qualifies, what the BSP requires, and what happens on failure.
Foreign Exchange Regulations Philippines: BSP Rules and Reporting Duties
Foreign exchange regulations in the Philippines are issued by the BSP under its FX Manual. Learn the reporting standards, penalties, and compliance duties.
Payment Gateway Agreement in the Philippines: Key Terms and Rules
Understand payment gateway agreements in the Philippines, the BSP rules under the National Payment Systems Act, and how to resolve payment disputes.
Bank Merger and Consolidation in the Philippines: BSP Approval Requirements
Bank merger or consolidation in the Philippines needs BSP approval plus SEC approval. Learn the documentary requirements and stockholder vote rules.
How to Get an Electronic Money Issuer (EMI) License in the Philippines
Learn how to get an electronic money issuer license in the Philippines: who must apply, BSP requirements, capital rules, and post-license duties.
Pawnshop and Remittance Compliance Under BSP Rules: A Practical Guide
Learn how BSP rules govern pawnshop and remittance compliance, from registration and reporting standards to penalties, records, and audits.
Money Service Business License Philippines: BSP Registration Rules
How to register a money service business in the Philippines with the Bangko Sentral ng Pilipinas, including BSP requirements, fees, and capital rules.
BSP Circular 1206: Consolidated Rules for Money Service Businesses
BSP Circular 1206 consolidates all rules for money service businesses into the MORNBFI M-Regulations, covering registration, capital, and reporting.
BSP Regulatory Sandbox Framework: How Circular 1153 Works
BSP Circular No. 1153 institutionalized the Regulatory Sandbox Framework, letting firms test new financial products live under BSP supervision.
BSP Open Finance Framework Explained: Circular No. 1122
The BSP Open Finance Framework under Circular No. 1122 lets customers share their financial data securely with qualified providers. Here is how it works.
Fintech Regulation in the Philippines: BSP Rules and Licensing
Fintech regulation in the Philippines is shaped by BSP rules, the E-Commerce Act, and the Data Privacy Act. Learn the key legal requirements here.
Cross-Border Loan from a Foreign Parent to a Philippine Subsidiary: BSP Rules
How a cross-border loan from a foreign parent to a Philippine subsidiary works under BSP foreign exchange rules, including registration and reporting.