On January 2, the Consumer Financial Protection Bureau (CFPB) filed an amicus curiae brief urging the U.S. Court of Appeals for the First Circuit to reverse a district court’s decision finding that a debt collector lacked the requisite knowledge and intent to violate the Fair Debt Collection Practices Act (FDCPA) when it sent a debt-collection communication prior to any knowledge of the debtor’s bankruptcy filing.
In 2023, the economies of some nations stagnated, but developing economies particularly struggled. As a new year commences, some of these countries will continue their efforts at restructuring their debts—a process that has been going on for years.
Following are our summaries of the civil decisions of the Court of Appeal for Ontario for the week of January 15, 2024.
Celsius creditors feeling the heat over preference claims
摘要
市场经济交易中，企业以自有财产对外抵押，提供担保的情形屡见不鲜。上述企业进入破产程序后，易引发破产法与担保法交叉问题。破产企业以自有财产为第三人的债务提供抵押，主债权债务发生于债权人（抵押权人）与第三人之间，抵押权人若在抵押人的破产程序中主张权利，管理人审查认定过程中，易与破产企业为自己的债务提供抵押混淆，单纯的抵押权人可能被认定为“抵押债权人”。本文立足于物权和债权的二分性原则，探讨了在破产程序中，对破产企业仅享有抵押权的权利人的权利认定与行权规则。
关键词
抵押权人 别除权 别除权人 权利行使
The festive period is a time for celebrating with loved ones, enjoying food and drink, and exchanging gifts. But it can also bring financial challenges. With rising living costs, interest rates at levels not seen for over a decade, and inflation still high, the cost of Christmas can present a further struggle, leaving many overstretched and facing unmanageable debts and insolvency come January.
Insights
Insolvency litigation witnessed intriguing developments across multiple aspects in Hong Kong in 2023, ranging from the court’s updated Practice Direction on Bankruptcy and Winding-Up Proceedings to on-going debate surrounding the interplay between insolvency proceedings and arbitration clauses. In this Legal Update, we examine major developments that unfolded. The key takeaways are: 1.
Executive Summary Executive Summry ○ 4월 총선에서 여당이 승리할 경우 상속/승계 세 부담 완화와 기업활동 지원을 위한 규제 완화에 속도가 붙을 것으로 전망됩니다. 반면 야당이 승리할 경우, 노동, 환경, 조세 분야 규제 강화를 위한 입법이 예상됩니다. 금융사고, 불완전 판매, 초과이익 등 금융회사 규제 강화는 여야 공통기조인 만큼 총선 이후에도 지속 추진될 전망입니다. ○ 11월 미국 대선에서 바이든-트럼프 간 재대결이 유력한 가운데 트럼프 당선 시 ▲대중 강 경노선 및 보호무역주의 회귀 ▲화석연료 중심의 에너지 정책 전환 ▲反이민정책 기조 등 미국의 통상·외교정책에 대대적인 변화가 예상됩니다. ○ 국내 전기차·배터리·반도체·신재생에너지 기업들의 대미(對美)·대중(對中)투자, 합작법인 설 립, 외국정부·기업과의 통상분쟁 이슈가 증가할 가능성이 있습니다. ○ 금융부문의 사회적 책임 이행에 대해 국회와 정부도 공감대를 가지고 있어, 은행 수익의 사회 환원을 위해 횡재세뿐만 아니라 상생금융 조성, 취약층 이자감면 등 다양한 방안이 마련될 것으로 예상됩니다.
HFW DISPUTES DIGEST 2023
Welcome to the second annual Disputes Digest, in which we collate our 2023 global HFW LITIGATION and International Arbitration publications in one place.
This edition includes updates from across our Disputes arena, including England and Wales, BVI, AsiaPac, and the Middle East.