Banking law training

Lesson 1 • Regulatory Architecture of Banking

Maps the institutional structure of banking supervision at national and international levels. Clarifies how regulatory mandates are divided among central banks, prudential supervisors, and conduct authorities.

Lesson 2 • Nature and Scope of Banking Law

Defines banking law as a distinct legal discipline and maps its boundaries. Connects the legal definition of banking to regulatory obligations and institutional classification.

Lesson 3 • Legal Personality and Corporate Structure

Examines how banks are constituted as legal entities and the implications for liability. Links corporate structure choices to regulatory treatment and governance obligations.

Lesson 4 • Sources of Banking Law

Identifies primary and secondary legal sources that govern banking institutions. Provides the interpretive tools needed to navigate statutory, regulatory, and case-law materials.

Lesson 1 • Formation of the Banking Contract

Examines offer, acceptance, and consideration in the context of account opening. Establishes the contractual baseline from which all bank-customer duties flow.

Lesson 2 • Termination and Dispute Resolution

Addresses how banking relationships end and the legal mechanisms for resolving disputes. Prepares students to advise on exit rights, notice requirements, and complaint procedures.

Lesson 3 • Customer Duties and Rights

Covers obligations customers owe to their bank and the rights they hold under law. Balances the relationship by addressing notification duties and consumer protection entitlements.

Lesson 1 • Legal Nature of Deposits

Establishes the debtor-creditor nature of the deposit relationship and its legal consequences. Distinguishes deposits from other financial instruments to clarify regulatory treatment.

Lesson 2 • Cross-Border Payments and Remittances

Addresses the legal complexity of international fund transfers including correspondent banking. Connects cross-border payment rules to compliance obligations and sanctions screening.

Lesson 3 • Payment Mandates and Authorization

Covers the legal requirements for a valid payment instruction and the bank's duty to execute. Links authorization rules to liability for unauthorized or erroneous payments.

Lesson 4 • Payment System Infrastructure and Law

Examines the legal framework governing interbank clearing and settlement systems. Connects system rules to finality, netting, and systemic risk management.

Lesson 1 • Consumer Credit Regulation

Covers mandatory disclosure, cooling-off rights, and interest rate caps in consumer lending. Connects regulatory requirements to lender liability and contract enforceability.

Lesson 2 • Mortgage and Secured Lending Law

Examines the creation, perfection, and enforcement of mortgage security interests. Links security law to lender risk management and borrower protection in residential lending.

Lesson 3 • Syndicated and Structured Lending

Analyzes the legal architecture of multi-lender facilities and structured credit transactions. Prepares students to navigate agency arrangements, intercreditor issues, and transfer mechanics.

Lesson 4 • Loan Agreement Structure and Terms

Dissects the essential clauses of a commercial and retail loan agreement. Equips students to identify legally significant provisions and their practical consequences.

Lesson 1 • Security Over Real and Personal Property

Examines security interests over land, equipment, inventory, and receivables. Links perfection mechanics to priority rules and enforcement outcomes.

Lesson 2 • Guarantees and Third-Party Security

Analyzes the legal requirements for enforceable guarantees and indemnities. Addresses the rights of guarantors and the bank's duties when relying on third-party support.

Lesson 3 • Enforcement of Security Interests

Covers the legal process for enforcing security upon borrower default. Prepares students to advise on enforcement options, duties to the borrower, and proceeds distribution.

Lesson 4 • Principles of Security Law

Establishes the conceptual framework distinguishing types of security interests and their legal effects. Provides the doctrinal foundation for analyzing any collateral arrangement.

Lesson 1 • Liquidity and Funding Requirements

Covers the legal basis for liquidity coverage and net stable funding requirements. Links liquidity rules to supervisory reporting obligations and contingency planning.

Lesson 2 • Supervisory Review and Disclosure

Addresses the supervisory review process and public disclosure obligations under the prudential framework. Prepares students to engage with supervisory dialogue and manage Pillar 3 reporting.

Lesson 3 • Capital Adequacy Framework

Explains the risk-based capital framework and the legal obligations it imposes on banks. Connects minimum capital ratios to supervisory intervention triggers and business constraints.

Lesson 4 • Systemic Risk and Macroprudential Tools

Covers the legal instruments used to address systemic risk including countercyclical buffers and systemic institution surcharges. Links macroprudential policy to supervisory authority and legal mandates.

Lesson 1 • Customer Due Diligence Obligations

Covers the legal requirements for identifying, verifying, and monitoring customers. Connects due diligence standards to risk categorization and ongoing monitoring duties.

Lesson 2 • Governance and Enforcement of AML Programs

Addresses the legal requirements for AML governance including the role of the compliance officer. Connects governance failures to regulatory enforcement actions and personal liability.

Lesson 3 • Suspicious Activity Reporting

Examines the legal duty to report suspicious transactions and the protections afforded to reporters. Addresses tipping-off prohibitions and the interaction with law enforcement.

Lesson 4 • Sanctions Compliance in Banking

Covers the legal obligations arising from financial sanctions regimes and their enforcement. Prepares students to implement screening programs and manage sanctions breach risk.

Lesson 1 • Bank Failure and Early Intervention

Covers the legal triggers and supervisory powers available before a bank reaches the point of failure. Connects early intervention to the continuum of supervisory escalation.

Lesson 2 • Cross-Border Resolution and Recognition

Addresses the legal challenges of resolving internationally active banks across multiple jurisdictions. Prepares students to navigate recognition of foreign resolution actions and cooperation frameworks.

Lesson 3 • Resolution Tools and Their Legal Effects

Analyzes the legal mechanics of bail-in, bridge bank, asset separation, and sale of business tools. Prepares students to assess the legal consequences for shareholders and creditors.

Lesson 4 • Creditor Hierarchy and Loss Absorption

Covers the statutory creditor hierarchy in bank resolution and insolvency and its legal basis. Connects loss absorption capacity requirements to the ranking of liabilities.