Initial Situation and Subject Matter Account balances frozen due to the so-called Russia sanctions regularly stand at the intersection between sanctions law prohibitions on disposition
...Starting point of the decision Real-time transfers (Instant Payments) are designed for immediate execution: After approval, the payment amount is credited to the recipient’s account
...PSD3 and PSR – Innovations in Payment Transactions Regulatory package brings changes With the planned third Payment Services Directive (PSD3) and the accompanying Payment Services
...Decision of a Regional Court in a Criminal Case Related to Online Gambling In a criminal case related to online gambling offers, a verdict of
...Initial Situation: New Procedures in the Context of Unauthorized Online Gambling Offers In connection with online gambling offers that are alleged to be impermissible under
...Starting Point: Life Insurance as Loan Security In relation to real estate financing, additional securities are sometimes agreed upon alongside mortgage rights. This particularly includes
...Anyone who, after logging into online banking, discovers that their account balance has been debited or access has been blocked, is often confronted with the
...## Classification: Letter regarding Money Laundering Suspicions A letter from the bank, police, or prosecutor’s office related to a possible suspicion of money laundering is
...Background and Subject of Reporting In connection with MCM AG, questions regarding so-called participation rights (Genussrechte) have increasingly arisen in recent months. The subject of
...Initial Situation: Mortgage after Loan Repayment In real estate financing, the mortgage regularly serves as security for a loan. When the loan is repaid, the
...Distinction between gratuitous transfer and loan Private money transfers often occur in a personal or family context. Legally, however, the same payment can either be
...Decision of the Munich District Court on Compensation for Phishing Damages Phishing attacks regularly lead to disputes over who is responsible for unauthorized account charges:
...Initial Situation: Restrictions on Account Access due to Suspicions Account holders may unexpectedly find that transfers are no longer executed, card payments fail, or access
...Meaning of the Release of Land Charge in Connection with Real Estate Financing In real estate financing, the land charge is regularly used as loan
...Decision of the Frankfurt Higher Regional Court and Legal Context The Higher Regional Court of Frankfurt am Main had to address the question of whether
...” Family guarantees as a subject of content review \n\n Guarantees that spouses or close relatives assume in favor of a borrower can be legally
...” Digital loan approval and legal classification \n\n Online “instant loans” are often offered with the indication that an approval will be granted within a
...” Initial situation: Land charge as loan security and the interest in releases \n\n In real estate financing, a land charge is regularly created in
...” Unauthorized account withdrawals and card transactions as a question of liability \n\n Anyone who discovers that money has been debited from their account without
...” Fraud schemes involving telephone-induced pressure and the question of bank responsibility \n\n In so-called shock calls or the “grandchild scam,” those affected are often
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