Tag Archives: banking and finance law

ILN Today Post

Starting as you mean to go on…pre-emption rights and applications to assign

This case involved a dispute between the tenant (in administration) (TCG) and the defendant (Girdlers) in relation to the proposed assignment of a lease of pub premises in London. The lease contained a provision prohibiting assignment without the consent of the landlord, such consent not to be unreasonably withheld, but prior to seeking consent the tenant was obliged to grant an option to the landlord at its market price.

The tenant went into administration and its administrators entered into a business purchase agreement with a purchaser. The tenant claimed to have made the offer to take back the lease and that the landlord failed to accept it. The tenant also claimed that it sought consent to assign. The landlord disputed that such an appropriate offer was made and also whether the tenant (as opposed to the assignee) had made a valid application for consent. There was also a dispute as to whether the landlord was unreasonably withholding consent in insisting upon a rent deposit or guarantee.

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ILN Today Post

New immigration rules will force UK banks to search bank accounts for illegal migrants

Since the introduction of the Immigration Act 2014, banks and building societies have been prohibited from opening current accounts for individuals who are in the UK illegally. The Immigration Act 2016 goes one step further, with the introduction of multiple measures to prevent illegal migrants from continuing to operate existing current accounts. The Act gives the important responsibility of identifying these migrants to banks and building societies, which must, upon establishing that a client is an illegal migrant, contact the Home Office which will take further action.

These developments have been introduced with the intention of making it harder to live a settled life unlawfully in the UK and to incentivise voluntary departure from the UK.

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ILN Today Post

2012 – Banking and Finance Year in Review

Now that the dust has settled on the end of 2012 it is worth recapping on the year and pinpointing key events and developments that occurred during 2012.

We saw Queen Elizabeth II mark her 60th anniversary of becoming the British monarch, the Lion King become the highest grossing Broadway show overtaking The Phantom of the Opera, the introduction of the Personal Property Securities Act 2009 (Cth), Usain Bolt become the first person to win the 100m and 200m sprit in back to back Olympics, mortgage duty in New South Wales extended for another year, Lance Armstrong being stripped of his 7 Tour de France titles, greater clarification on the interpretation of contractual penalties, Obama elected president, Green Moon win the Melbourne Cup, the Australia Tax Office win in a priority dispute with a mortgagee, Gangnam Style becoming the first video to reach one billion views on you tube, Channel Nine survive by undertaking a significant debt restructure, Felix Baumgartner step into the void nearly 128,000 feet (39,000 meters) above the earth and most importantly, given you are reading this, we all managed to survive the Mayan apocalypse. More…

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ILN Today Post

Newsletter Banking and Finance law – June 2012

1. Anti-money laundering and anti-terrorism financing

ACP guidelines on the concepts of business relationship and occasional customer

On April 2012, the French prudential supervisory authority (the “ACP”) published guidelines related to the distinction between business relationship or regular customer on the one hand and occasional customer on the other hand.

Under French law, the customer due diligence process in place within financial institutions must be adapted depending on whether the customer is a regular or an occasional customer. The unawareness of such distinction can lead to the implementation of inappropriate due diligence measures and therefore in a lack of detection of anomalies. Failing to make this distinction can lead to inappropriate due diligence measures and result in the inability to detect anomalies. More…

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