22
AN ACT PENALIZING THE MAKING OR DRAWING AND
ISSUANCE OF A CHECK WITHOUT SUFFICIENT FUNDS OR
CREDIT AND FOR OTHER PURPOSES.
Section 1. Checks without sufficient funds. - Any person who
makes or draws and issues any check to apply on account or for
value, knowing at the time of issue that he does not have sufficient
funds in or credit with the drawee bank for the payment of such
check in full upon its presentment, which check is subsequently
dishonored by the drawee bank for insufficiency of funds or credit
or would have been dishonored for the same reason had not the
drawer, without any valid reason, ordered the bank to stop
payment, shall be punished by imprisonment of not less than thirty
days but not more than one (1) year or by a fine of not less than
but not more than double the amount of the check which fine shall
in no case exceed Two Hundred Thousand Pesos, or both such fine
and imprisonment at the discretion of the court.
The same penalty shall be imposed upon any person who, having
sufficient funds in or credit with the drawee bank when he makes or
draws and issues a check, shall fail to keep sufficient funds or to
maintain a credit to cover the full amount of the check if presented
within a period of ninety (90) days from the date appearing
thereon, for which reason it is dishonored by the drawee bank.
Where the check is drawn by a corporation, company or entity, the
person or persons who actually signed the check in behalf of such
drawer shall be liable under this Act.
Section 2. Evidence of knowledge of insufficient funds. - The
making, drawing and issuance of a check payment of which is
refused by the drawee because of insufficient funds in or credit with
such bank, when presented within ninety (90) days from the date of
the check, shall be prima facie evidence of knowledge of such
insufficiency of funds or credit unless such maker or drawer pays
the holder thereof the amount due thereon, or makes
arrangements for payment in full by the drawee of such check
within (5) banking days after receiving notice that such check has
not been paid by the drawee.
Section 3. Duty of drawee; rules of evidence. - It shall be the duty
of the drawee of any check, when refusing to pay the same to the
holder thereof upon presentment, to cause to be written, printed,
or stamped in plain language thereon, or attached thereto, the
The Bouncing Checks Law, or Batas Pambansa (BP) Blg. 22, is a law
that governs the criminal liability arising from the issuance of
bounced checks. The full title of BP 22: An Act Penalizing the
Making or Drawing and Issuance of a Check Without Sufficient
Funds or Credit and for Other Purposes (see full text here). In
certain instances, the same acts may also give rise to another
criminal liability for estafa under the Revised Penal Code (see
discussion in part 4 below).
Whats the reason or rationale for BP 22?
BP 22 is intended to prohibit the making of worthless checks and
putting them in circulation. Even years ago, the approximate value
of bouncing checks was about 200 million pesos per day. The
issuance of bouncing checks is a crime not only against property.
The magnitude of the crime has an adverse effect on the greater
public interest. The stability and commercial value of checks as
currency substitutes will be seriously affected. This, of course, has
serious repercussions in trade and in banking communities.
Does BP 22 violate the Constitutional mandate that no
person shall be imprisoned for debt?
It has been argued that BP 22 in reality punishes the non-payment
of debt. However, while it is true that no person can be imprisoned
for debt, what BP 22 punishes is the act of issuing bad checks, and
not the failure to pay a debt. Its not a bad debt law; its rather a
bad check law. Its not designed to coerce a debtor to pay his
debt.
Does BP 22 impairs the freedom of people to enter into
contracts?
The Constitution also guarantees the right to enter into contract.
Each one should be responsible for the contracts entered into. If
you get into a bad bargain, if you get a bad check, then its your
fault for not making sure that the other person is trustworthy.
Checks, however, are not simple contracts between two persons.
It is a commercial instrument which, in this modem day and age,
has become a convenient substitute for money. It is an integral
part of the banking system. Besides, what the law protects are
lawful contracts.
What are the acts punished under BP 22?
Section 1 of the Bouncing Checks Law penalizes two distinct acts:
1. Making or drawing and issuing any check to apply on
account or for value, knowing at the time of issue that the
drawer does not have sufficient funds in or credit with the
drawee bank.
TO
KEEP
SUFFICIENT
FUNDS (Sec.
1,
par.
2)
OF
DRAWEE (Sec.
3)
capacity as City Fiscal of Manila, respondents.[G.R. Nos. L-6683942. December 18, 1986.]
Petitioner now raises the following issues before us in this petition
for review in certiorari: (a) whether the RTC of Manila acquired
jurisdiction over the violations of the Bouncing Checks Law, and (b)
whether the checks had been issued on account or for value. [6 Id.,
pp. 19-22.]
As regards the first issue, petitioner contends that the trial court
never acquired jurisdiction over the offenses under B.P. Blg. 22 and
that assuming for the sake of argument that she raised the matter
of jurisdiction only upon appeal to respondent appellate court, still
she cannot be estopped from questioning the jurisdiction of the trial
court.
It is a fundamental rule that for jurisdiction to be acquired by courts
in criminal cases the offense should have been committed or any
one of its essential ingredients took place within the territorial
jurisdiction of the court. Territorial jurisdiction in criminal cases is
the territory where the court has jurisdiction to take cognizance or
to try the offense allegedly committed therein by the accused.
Thus, it cannot take jurisdiction over a person charged with an
offense
allegedly
committed
outside
of
that
limited
territory. [7 U.S. v. Cunanan, 26 Phil. 376-378 (1913)]. Furthermore,
the jurisdiction of a court over the criminal case is determined by
the allegations in the complaint or information. [8 Colmenares v.
Villar, No. L-27124, 29 May 1970, 33 SCRA 186] And once it is so
shown, the court may validly take cognizance of the case. However,
if the evidence adduced during the trial show that the offense was
committed somewhere else, the court should dismiss the action for
want of jurisdiction. [9 People v. Galano, No. L-42925, 31 January
1977, 75 SCRA 193.]
In the case at bar, the complaint for estafa and the various charges
under B.P. Blg. 22 were jointly tried before the Regional Trial Court
of Manila. Petitioner challenges the jurisdiction of the lower court
stating that none of the essential elements constitutive of violation
of B.P. Blg. 22 was shown to have been committed in the City of
Manila. She maintains that the evidence presented established that
(a) complainant was a resident of Makati; (b) petitioner was a
resident of Caloocan City; (c) the place of business of the alleged
partnership was located in Malabon; (d) the drawee bank was
located in Malabon; and, (e) the checks were all deposited for
collection in Makati. Taken altogether, petitioner concludes that the
said evidence would only show that none of the essential elements
of B.P. Blg. 22 occurred in Manila. Respondent People of the
Philippines through the Solicitor General on the one hand argues
The circumstances of the present case are very different from Tijam
v. Sibonghanoy. No judgment has yet been rendered by the trial
court in this case. As a matter of fact, as soon as the accused
discovered the jurisdictional defect, she did not fail or neglect to file
the appropriate motion to dismiss. They questioned the jurisdiction
of the trial court in a memorandum before the lower court. Hence,
finding the pivotal element of laches to be absent, we hold that the