MANUAL OF REGULATIONS FOR NON-BANK FINANCIAL INSTITUTIONS

(Regulations Governing Non-Stock Savings and Loan Associations)

June 2016 Edition

Section Title Amended by
1 Section 4147S Bio-data of Trustees and Officers Circular No. 887
2 Section 4163S Internal Control Framework Circular No. 871
3 Section 4163S.1 Management oversight and control culture Circular No. 871

4 Section 4163S.2 Risk recognition and assessment Circular No. 871

5 Section 4163S.3 Control activites Circular No. 871
6 Section 4163S.4 Information and communication Circular No. 871
7 Section 4163S.5 Monitoring activites and correcting Circular No. 871
deficiencies
8 Section 4164S Internal Audit Function Circular No. 871
9 Section 4164S.1 Qualifications of the head of the internal Circular No. 871
audit function.
10 Section 4164S.2 Duties and responsibilities of the head of the Circular No. 871
internal audit function or the chief audit
executive.
11 Section 4164S.3 (2014 - Qualification standards of the Circular No. 871
internal auditor) Professional competence
and ethics of the internal audit function.

12 Section 4164S.4 (2014 - Code of Ethics and Internal Auditing Circular No. 871
Standards) Independence and objectivity of
the internal audit function.

13 Section 4164S.5 Internal audit charter Circular No. 871

14 Section 4164S.6 Scope Circular No. 871
15 Section 4337S Policies on Salary-Based General-Purpose Circular No. 903
Consumption Loans Circular No. 886
16 Section 4337S.1 Definition; Transactions covered; Exclusions; Circular No. 886
Report
17 Section 4337S.2 Credit granting Circular No. 886
18 Section 4337S.3 Consumer protection Circular No. 886
19 Section 4337S.4 Sanctions Circular No. 886
20 Section 4401S Consumer Protection Oversight Function Circular No. 890

21 Section 4401S.1 Role and Responsibility of the Board and Circular No. 890
Senior Management
22 Section 4401S.2 Consumer Protection Risk Management Circular No. 890
Syetem (CPRMS)
23 Section 4402S Consumer Protection Standards Circular No. 890
24 Section 4402S.1 Disclosure and Transparency Circular No. 890
25 Section 4402S.2 Protection of Client Information Circular No. 890
26 Section 4402S.3 Fair Treatment Circular Nos. 898
Circular No. 890
27 Section 4402S.4 Effective Recourse Circular No. 890
28 Section 4402S.5 Financial Education and Awareness Circular No. 890
29 Section 4403S Enforcement Actions Circular No. 890
30 Section 4650S Philippine and Foreign Currency Notes and Circular No. 890
Coins
 TUTIONS
ciations)

Date
October 7, 2015
March 5, 2015
March 5, 2015

March 5, 2015
March 5, 2015
March 5, 2015
March 5, 2015

March 5, 2015
March 5, 2015

March 5, 2015

March 5, 2015

March 5, 2015

March 5, 2015
March 5, 2015
February 29, 2016
September 8, 2015
September 8, 2015

September 8, 2015
September 8, 2015
September 8, 2015
November 2, 2015

November 2, 2015

November 2, 2015

November 2, 2015
November 2, 2015
November 2, 2015
January 14, 2016
November 2, 2015
November 2, 2015
November 2, 2015
November 2, 2015
November 2, 2015