Policy & Regulation

Analysis of policy and regulatory shifts, compliance tightening, and policy decisions that reshape industries and rewrite the rules of participation. Focused on structural consequences, not headlines.

BSP Cash Withdrawal Limit Doubles to ₱1 Million, But the Real Story Is the Policy It Corrects

The BSP cash withdrawal limit for enhanced due diligence jumps from ₱500,000 to ₱1 million under Circular 1230, correcting a policy born from a corruption scandal.

March 10, 2026

BSP Biometric Authentication Has a Hardware Problem Nobody Is Talking About

March 7, 2026

The 4-Day Workweek Order Takes Effect Monday. Your Government Transactions Are Not Ready for It.

The 4-day workweek order under MC 114 starts March 9. Here is what it actually means for businesses with pending government transactions.

March 7, 2026

The BSP OTP Ban Is a Liability Shift

The BSP OTP ban is not a security upgrade. It is a liability reassignment. Here is what AFASA means for banks that are not ready by June 2026.

March 6, 2026

The TRAIN Law Fuel Excise Tax Suspension Exists. Neither Aquino Nor Marcos Can Make It Work Fast Enough.

The TRAIN Law fuel excise tax suspension exists but its three-month trigger exposes a design flaw that both Aquino and Marcos are now working around in different ways.

March 4, 2026

NFA Palay Procurement Rules Were Just Eased. The Procurement Gap They Are Trying to Close Tells a Different Story.

The NFA palay procurement rules has just been revised. Procurement Gap is now being addressed

March 3, 2026

DICT Blockchain Implementation and the Credibility Question

DICT blockchain implementation debate shifts from branding to architecture, procurement discipline, and institutional digital trust.

February 24, 2026

BSP Rate Cut Debate Intensifies as Growth Signals Weaken

Calls for a BSP rate cut intensify as growth slows. Here is what it means for MSME borrowing costs, liquidity, and inflation risks.

February 22, 2026

Miro Quimbo Travel Tax Proposal Aims to Boost Tourism Activity

The Miro Quimbo travel tax proposal seeks ₱22B in new activity driven revenue. Can demand led growth replace guaranteed collections?

February 18, 2026

LTO Ambulance Enforcement Redefines Emergency Vehicle Privileges

LTO ambulance enforcement targets misuse of emergency vehicle status, tightening regulatory control over special-use transport privileges.

February 16, 2026

Micro Enterprise AFS Exemption: SEC Removes Audit Requirement for Small Corporations

The Micro Enterprise AFS Exemption takes effect in 2026, raising the SEC audit threshold to ₱3 million and easing compliance for small corporations.

February 10, 2026

SEC Beneficial Ownership Disclosure Rules: What Philippine Corporations Must Do Now That It’s Already in Effect

The SEC Beneficial Ownership Disclosure Rules are now in effect. HARBOR is live. Here’s what Philippine corporations must do today.

January 31, 2026

House Bill Approves Automatic Refund for Internet Outages in the Philippines

Automatic refund for internet outages, a House-approved policy requiring PLDT, Globe, and DITO to credit users for prolonged service downtime.

January 3, 2026

Gift Certificate Expiration in the Philippines? What the Law Really Says

Gift certificate expiration in the Philippines explained. Learn when GCs can expire, when they cannot, and how consumer law applies today.

December 26, 2025

RA 12252 Explained, What the New 99 Year Land Lease Law Really Means for the Philippines

RA 12252 explained with clear legal analysis for Filipinos. Updated as of September 2025, this guide breaks down the new 99 year land lease rules and investor requirements.

December 2, 2025

BIR Audit Freeze, What It Means for Taxpayers

The BIR audit freeze 2025 pauses field audits as LOA issues are reviewed. Learn how the pause affects taxpayers and what you should prepare now.

November 26, 2025

The Signal Weekly

One email a week with the policy, business and technology stories Filipino professionals need to read.