BOUNCING CHECKS LAW (BP 22)

7. What is the minimum number of days for maintaining a balance in the checking account to cover the
check he issued for the drawer to be exempted from conviction for violation of BP 22?
a. A period of at least 90 days from the maturity date of check
b. A period of at least 120 days from the maturity date of check
c. A period of at least 150 days from the maturity date of check
d. A period of at least 180 days from the maturity date of check

8. Which of the following is not an element of violation of BP 22 for issuance of worthless check or no
sufficient fund (NSF) check?
a. There must be knowledge of the maker, drawer, or issuer that at the time of issue, he does not
have sufficient funds in or credit with the drawee bank for the payment of the check in full upon
its presentment
b. There must be criminal intent to defraud on the part of the drawer of the check
c. There must be subsequent dishonor of the check by the drawee bank for insufficiency of funds
or creditor dishonor for the same reason had not the drawer, without any valid cause, ordered
the bank to stop payment
d. There must be making, drawing, and issuance of any check to apply for account or for value

9. Statement I: What B.P. 22 punishes is the issuance of a bouncing check and not the purpose for which
the check was issued.

Statement II: What B.P. 22 punishes is the issuance of a bouncing check and not the non-payment of an
obligation, or the terms and conditions of its issuance.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

10. Statement I: Each act of drawing and issuing of a bounced check constitutes a violation of B.P. 22.

Statement II: The Rule that there is only one offense when the offender is moved by one criminal intent
cannot apply to B.P. 22 because criminal intent is immaterial.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

11. Statement I: Batas Pambansa Blg. 22 does not make a distinction as to whether the bad check is issued
in payment of an obligation or to merely guarantee an obligation.

Statement: The essence of B.P. Blg. 22 is the issuance of a check, not the non-payment of an obligation.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

12. The maker’s knowledge of the insufficiency of his funds is presumed from the dishonor of his check for
insufficiency of funds, except:

I. When the check is presented after 90 days from the date of the check
II. When the 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
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

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13. Statement I: If notice of non-payment by the drawee bank is not sent to the maker or drawer, then the
presumption or prima facie evidence of knowledge of insufficiency of funds cannot arise.

Statement II: The presumption of knowledge of insufficiency of funds or credit does not lie when the
check is presented after 90 days from the date of the check.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

14. Statement I: It shall not 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 reason for drawee’s dishonor or refusal to pay the same.

Statement II: When there are no sufficient funds in or credit with such drawee bank, such fact shall
always be explicitly stated in the notice of dishonor or refusal.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

15. Statement I: Under B.P. 22, the prosecution must prove not only that the accused issued a check that
was subsequently dishonored, but it must also establish that the accused was actually notified that the
check was dishonored and that he or she failed, within five (5) banking days from receipt of the notice,
to pay the holder of the check the amount due thereon or to make arrangements for its payment.

Statement II: The notice of dishonor of check, which must in writing, may be sent to the drawer or
maker by the drawee-bank, the holder of the check, or the offended party either by personal delivery
or by registered mail.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

16. Statement I: Where there are no sufficient funds in or credit with the drawee bank, such fact shall
always be explicitly stated in the notice of dishonor or refusal, a mere oral notice or demand to pay
would appear to be insufficient for conviction under the law.

Statement II: The full payment of the amount appearing in the check within 5 banking days from notice
of dishonor is a complete defense.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

17. Statement I: Under B.P. 22, only a full payment at the time of its presentment or during the five-day
period could exonerate one from criminal liability, and that subsequent payments can only affect the
civil, but not the criminal liability.

Statement II: The full payment of the amount appearing in the check within 5 banking days from notice
of dishonor is a partial defense.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

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18. Statement I: B.P. 22 punishes the issuance of a bouncing check and not the purpose for which it was
issued or terms and conditions relating to its issuance.

Statement II: The issue of lack of valuable consideration for the issuance of checks which were later on
dishonored for insufficient funds is immaterial to the success of a prosecution under B.P. 22.
a. Only I is true
b. Only II is true
c. Both are true
d. Both are false

19. What is the legal obligation on the part of the drawer of a funded check in order to exempt himself from
criminal liability for bouncing check?
a. He must keep sufficient fund or maintain credit to cover the full amount of the check within a
period of 90 days from the maturity date of the check
b. He must keep sufficient fund or maintain credit to cover the full amount of the check within a
period of 30 days from the maturity date of the check
c. He must keep sufficient fund or maintain credit to cover the full amount of the check within a
period of 60 days from the maturity date of the check
d. He must keep sufficient fund or maintain credit to cover the full amount of the check within a
period of 120 days from the maturity date of the check

20. What is the prima facie evidence of the knowledge of insufficiency of funds or credit by the maker or
drawer of a check?
a. 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 (120) days
from the date of the check
b. 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 (90) days from
the date of the check
c. 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 (60) days from
the date of the check
d. 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 (30) days from
the date of the check

21. What act may be presented by the maker or drawer of a check to destroy prima facie presumption of
knowledge of insufficiency of funds or credit as established by the preceding number?
a. The 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 (15) banking days after receiving notice
that such check has not been paid by the drawee
b. The 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 (20) banking days after receiving notice
that such check has not been paid by the drawee
c. The 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 (10) banking days after receiving notice
that such check has not been paid by the drawee
d. The 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

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