Banking Law Course

Lesson 1 • Key Participants in the Banking System

Profiles commercial banks, central banks, regulators, and non-bank financial institutions. Clarifies each participant's legal status and role in the regulatory ecosystem.

Lesson 2 • Regulatory Objectives and Principles

Examines core regulatory objectives such as financial stability, consumer protection, and market integrity. Links each objective to specific regulatory tools and obligations.

Lesson 3 • Nature and Purpose of Banking Law

Defines banking law as a distinct legal discipline and explains its public interest rationale. Connects regulatory necessity to systemic risk and depositor protection goals.

Lesson 4 • Historical Development of Banking Regulation

Traces the evolution of banking regulation from early merchant banking to modern prudential frameworks. Provides context for understanding why current rules exist.

Lesson 1 • Ongoing Compliance Obligations

Identifies recurring reporting, disclosure, and conduct obligations that licensed banks must maintain. Links ongoing compliance to licence retention and supervisory expectations.

Lesson 2 • Regulatory Approval for Structural Changes

Covers regulatory consent requirements for mergers, acquisitions, and reorganisations. Students learn how to navigate approval processes for major structural transactions.

Lesson 3 • Corporate Governance in Banks

Examines board composition, director duties, and internal control obligations specific to banks. Connects governance failures to regulatory enforcement outcomes.

Lesson 4 • Corporate Forms and Ownership Structures

Analyses permissible legal forms for banking entities including subsidiaries, branches, and holding companies. Explains how structure affects regulatory treatment.

Lesson 1 • Priority of Depositor Claims in Insolvency

Examines depositor preference rules and claim ranking in bank insolvency proceedings. Prepares students to advise on depositor recovery prospects.

Lesson 2 • Deposit Protection Schemes

Analyses the design, funding, and coverage limits of deposit guarantee schemes. Students evaluate how scheme design affects depositor confidence and bank behaviour.

Lesson 3 • Types of Deposit Products

Surveys demand deposits, time deposits, and structured deposit products and their distinct legal features. Connects product type to applicable regulatory treatment.

Lesson 4 • Bank Obligations to Depositors

Identifies disclosure, fair treatment, and account management duties owed to depositors. Connects these duties to consumer protection regulation and conduct standards.

Lesson 1 • Syndicated and Participatory Lending

Analyses multi-lender structures including syndicated loans and loan participations. Examines the role of the agent bank and inter-creditor dynamics.

Lesson 2 • Legal Framework for Bank Lending

Establishes the regulatory and contractual basis for bank credit extension. Covers responsible lending obligations and credit assessment duties.

Lesson 3 • Problem Loans and Workout Arrangements

Addresses legal strategies for managing non-performing loans including restructuring, forbearance, and enforcement. Prepares students for distressed credit scenarios.

Lesson 4 • Loan Documentation and Key Clauses

Examines the structure of facility agreements, representations, covenants, and events of default. Students learn to identify and negotiate critical loan terms.

Lesson 1 • Legal Framework for Payment Transactions

Defines payment obligations, discharge of debt, and the legal effect of payment instructions. Establishes the contractual and statutory basis for payment services.

Lesson 2 • Emerging Payment Services and Regulation

Covers the regulatory treatment of open banking, digital wallets, and payment institution licensing. Prepares students for evolving payment law challenges.

Lesson 3 • Card and Electronic Payment Services

Analyses the legal relationships in card payment networks and electronic fund transfers. Covers liability allocation for unauthorised and erroneous transactions.

Lesson 4 • Cross-Border Payment Regulation

Examines regulatory requirements for international transfers including sanctions screening and transparency obligations. Links cross-border rules to compliance risk.

Lesson 1 • Supervisory Review and Enforcement

Examines the supervisory review process, early intervention powers, and enforcement tools available to prudential regulators. Links supervisory action to legal consequences.

Lesson 2 • Capital Adequacy Requirements

Analyses minimum capital ratios, capital buffers, and the tiering of regulatory capital instruments. Students learn to read and apply capital adequacy frameworks.

Lesson 3 • Foundations of Prudential Regulation

Explains the rationale for prudential rules and the distinction between microprudential and macroprudential regulation. Grounds students in the policy logic behind capital requirements.

Lesson 4 • Liquidity Regulation

Examines liquidity coverage and net stable funding requirements and their legal basis. Connects liquidity rules to bank funding strategy and regulatory reporting.

Lesson 1 • Sanctions Compliance

Analyses the legal framework for economic sanctions, asset freezing, and sanctions screening obligations. Students learn to manage sanctions risk in banking operations.

Lesson 2 • Suspicious Activity Reporting

Examines the legal duty to report suspicious transactions, tipping-off prohibitions, and safe harbour protections. Connects reporting obligations to criminal liability risk.

Lesson 3 • Customer Due Diligence Obligations

Covers know-your-customer requirements, beneficial ownership identification, and enhanced due diligence triggers. Students learn to design compliant onboarding processes.

Lesson 4 • Legal Framework for Financial Crime Prevention

Surveys the statutory and regulatory basis for anti-money laundering obligations. Connects international standards to domestic legal implementation.

Lesson 1 • Cross-Border Resolution Coordination

Covers the legal framework for coordinating resolution of internationally active banks. Examines recognition of foreign resolution actions and crisis management groups.

Lesson 2 • Creditor Rights in Resolution

Examines the no-creditor-worse-off principle, creditor hierarchy, and compensation rights in resolution. Prepares students to advise creditors facing bank resolution.

Lesson 3 • Legal Basis for Bank Resolution

Establishes the statutory authority for resolution regimes and the policy rationale for special bank insolvency rules. Distinguishes resolution from ordinary insolvency.

Lesson 4 • Resolution Planning and Resolvability

Covers recovery and resolution planning obligations, resolvability assessments, and removal of impediments. Connects planning requirements to legal obligations.