Register For Art of Legal Advocacy And Law Firm Profitability Training For Lawyers

Register For Art of Legal Advocacy And Law Firm Profitability Training For Lawyers


Excellent
advocacy skills and a sound knowledge of the business of law are necessary
skills mandatory for every lawyer desirous of attaining career success. This
training will instruct you on the skills required to advance your legal career
and position your law firm for high profitability in today’s business eco
system. 


TRAINING OVERVIEW

Theme:
 “The Art of Legal Advocacy”

Modules:
 


         Litigation


         Arbitration 


         Mediation


         Forensic Documents Examination


         Legal Writing  


         Law Firm Profitability

Date:
26th and 27th September, 2019

Time:
9am – 5pm daily

Duration
of Class: 2hrs each

Venue:
Neca House, Hakeem Balogun Street, Alausa, Ikeja, Lagos 

Members of Faculty

·
        Mr. Olabode Olanipekun SAN, Partner, Wole Olanipekun
 Co.,

·
        Dr. Abiodun Osiyemi; President, Forensic Science
Academy

·
        Mr. Fola Alade ASCMA (UK); Principal Partner, Fotefa
Partners 

·
        Dr. Chinua Asuzu, Dean, The Write House; Senior
Partner, Assizes Law    

Firm

·
        Miss Busola Ajala , CEO, Strictly Law Business 

·
       Mr. Tolu Aderemi LLM (Netherlands), Partner,
Pearchstone  & Graeys       

Registration Details 

Fee
per delegate     – N60,000
 

Early
Bird (Ends September, 5, 2019) – N40,000

(1 Day Left to Register for Early
Bird)

For
registration details, please call Lawlexis on +2348055424566; +2349095635314 or
email lawlexisinternational@gmail.com 

We
look forward to welcoming you as the session promises to be impactful and help
put you well on the way to achieving your career goals. 

Thank
you.

For:
Lawlexis International 

Ade
Onibokun 

This training will instruct you on all you need to advance your legal career

This training will instruct you on all you need to advance your legal career

This training will instruct you on all you need to advance your legal career and position your firm for high profitability in today’s business eco system. 
The modules include – –
Litigation 
-Arbitration 
-Mediation
– Forensic Documents Examination 
– Legal Writing 
– Law Firm Profitability
You also get to learn from our Members of Faculty who are experts in these areas of legal practice, they include – 

·  Mr. Olabode Olanipekun SAN, Partner, Wole Olanipekun  Co.

·  Dr. Abiodun Osiyemi; President, Forensic Science Academy.

·  Mr. FolaAlade ASCMA (UK); Principal Partner, Fotefa Partners.

·  Dr. Chinua Asuzu, Dean, The Write House; Senior Partner, Assizes Law Firm.

·  Miss Busola Ajala , CEO, Strictly Law Business.

·  Mr. Tolu Aderemi LLM (Netherlands), Partner, Pearchstone & Graeys

Other details are –

Theme: “The Art of Legal Advocacy”

Date: 26th and 27th September, 2019

Time: 9am – 5pm daily

Duration of Class: 2hrs each

Venue: Neca House, Hakeem Balogun Street, Alausa, Ikeja, Lagos

Registration Details
Fee per delegate – N60,000
Early Bird (Ends September, 5, 2019) – N40,000

We look forward to welcoming you as the sessions promise to be impactful and help put you well on the way to achieving your career goals. 
For registration details, please call Lawlexis on +2348055424566; +2349095635314 or email lawlexisinternational@gmail.com or follow this link – https://paystack.com/pay/Lawlexis
#NBAAGC2019 #nbaconference #facingthefuture #NBA2019AGC #NBA2019AGC #nigerianlawyers #AOCLegal #AOCLegal #careertraining #lawyertraining
NBA Introduces Travel Policy

NBA Introduces Travel Policy



NIGERIAN
BAR ASSOCIATION
NBA
TRAVEL RETIREMENT POLICY –   APPLICABLE TO THE MACARTHUR
FOUNDATION  PROJECT AND OTHER NBA-RELATED TRAVELS
 1. Travel and
Subsistence
NBA recognizes the need for
travels in the course of executing and meeting the objectives of the MacArthur
Foundation Project and its other functions. Travel and subsistence needs may
arise for members of staff from conferences, domestic trainings and meetings.
Consequently, NBA acknowledges the need to allocate and release travel funds
for all reasonable expenses.  

1.1 Objective 
The objective of this policy
is to instill accounting and retirement discipline as well as transparency in
NBA-related travel expenses. The policy also seeks to ensure that funds
collected from the association are utilized for the purpose it was disbursed in
line with the transparent accounting policy that is being entrenched in the NBA
administration. It also bears emphasizing in specific regard to the MacArthur
Foundation ACJA project that the NBA has an obligation to properly account to
the Foundation for all expenses incurred with receipts therefor. 
 1.2 Scope
 This policy covers
NBA’s travels and meeting expenses as it relates to the MacArthur Foundation
project and for other purposes as well as reimbursements including travel
costs, accounting for travel costs, and entertainment during travels. 
 2. Policy
 2.1 General
 It is the policy of
NBA to release funds in form of advance for all its activities. In situations
where advances are obtained, members of staff while traveling on official
business must exercise sound judgment in incurring expenses as all advances
will be accounted for. Travel requests must be in writing, approved by the
President through the General Secretary’s recommendation, and shall state the
following:  
a.
Purpose of travel;  
 b.
Travel destination; 
 c.
Travel accommodations; 
 d.
Mode of Transportation; and
 e.
Travel dates and duration.
 The Internal Auditor
(or in his absence, the Accountant) shall review requests for advance and
ensure that there is sufficient cash to accommodate the expense. Alcohol or
tobacco expenses do not qualify as expense for advances or retirements. NBA’s
funds shall not be used for such expenses. 
 2.2 Travel Cost:
Transportation
Transportation shall be by
air, train, bus, taxi, or use of rental or personal vehicle. Adherence to
safety measures is paramount and always required. 
Carpooling is encouraged for
members of staff traveling to the same location.  The shortest and most
direct routes are encouraged for economy and efficiency. Timely planning and
booking of rides and air travels is encouraged to obtain the lowest priced
airfares.
 Use of the Association
or personal vehicles is acceptable when it is evident that transportation via
other means is not practical or when it is less expensive. Reimbursement to the
owner of the personal vehicle will be at the current cost per mile rate
approved by the National Executive Committee or the President personally or
through the General Secretary.
 2.3 Travel Cost:
Accommodation and Meals
 The policy allows verifiable
payment for a single room for as many nights as necessary while carrying out
official duties. Accommodation and per diem threshold shall be established and
reviewed by the Head of Administration and Finance from time to time and shall
be duly approved by the President through recommendation from the General
Secretary.  This implies that where payments seem ambiguous or outside the
expected threshold, the approver or internal/external audit can verify such
claims. Accommodations should be economical but practical. 
 NBA shall not
reimburse any staff for fines for traffic violations or private auto repair,
alcohol purchases, entertainment, or club fees.
 2.4 Accounting for
Travel Expenses
 The staff incurring
travel cost shall ensure that the President pre-approves the expense. Once
travel is completed, he or she is responsible for submitting receipts or other
documentation for all monies received and other reimbursable costs (if any).
 All staff of the NBA
(and National Officers who may have to travel in respect of MacArthur
Foundation Project) shall prepare Travel Expense Reports documenting the travel
costs including the amount, place, and purpose of the business travel. The
staff and the relevant National Officers shall submit the report no later than
seven (7) days after incurring the expense. The accountant shall review these
documents for adherence to approved limits. 
 2.5     
Supporting Documents
 The NBA requires that
receipts must be submitted for all monies received and spent. Supporting
documents should provide evidence of the amount paid for the goods bought or
services paid for. 
 A photocopy or typed
receipt shall not be acceptable as supporting document.  
Below is a list of acceptable
supporting documents for each category of expenditure:
 Expenditure Acceptable
Supporting Documents
1. 
Accommodation Hotel Invoice/Receipt.
2. 
Air Transportation (a). Airline Ticket (b). Boarding Pass (c). Proof of payment
made to the airline or booking agency  (This must tally with the flight
details)
 3. 
Local Transportation (a). Uber, Taxify and other Taxi receipt (Where
Applicable) (b). Bus ticket
4. 
Other forms of  purchase/payment   Receipt of purchase/evidence
of payment. 
 2.6 Reimbursement for
Travel Expense
 In circumstances that
an NBA Staff or National Officer is not advanced with funds for any preapproved
travel, he/she may undertake the trip with his personal funds based on and in
conformance to the provisions of this Policy provided that he shall retire the
travel expense in the manner stipulated in this Policy and be reimbursed with
such costs and expenses within 7 (seven) days of such retirement in the event
that the travel advance was not paid to him/her before the said period.
 2.7 Violation of
Travel Policy
 All NBA staff and
National Officers who may have to travel in respect of MacArthur Foundation
Project assignments are expected to comply with this travel policy. Violation
of this policy will result to disciplinary actions against the staff. National
Officers should please set the example in compliance for the staff.
 The NBA will recoup
all un-retired advance from the financial entitlement of defaulting
persons. 

Nigerian Bar Association Introduces Petty Cash Policy And Procedure

Nigerian Bar Association Introduces Petty Cash Policy And Procedure

In his to promote governance reforms of the Nigerian Bar Association,
the Paul Usoro led administration shall be present to
the NBA NEC for approval a Petty Cash Policy for the NBA.

Find details
delow –

Petty
Cash

The objectives of this
documented Petty Cash process include to;  provide funds for minor expenses 
ensure the cash is available when needed  accurately account for petty cash/
advances issued to staff

This objectives are
achieved by the various processes documented below.

1.0
Petty Cash Policy Statements

·       
An amount not more than N250,000 shall be
dedicated as float for the purpose of petty cash administration. This amount
shall be reviewed periodically by the Head-Accounts with the approval of the
NBA President.

·       
The float shall be kept by a petty cashier
for the purpose of funding. Only approved petty cash shall be disbursed.

·       
Only officers with approval limits (i.e.
head of department) shall approve petty cash requisition.

·       
The petty cash expenses will be limited to
amounts not exceeding N20,000 (twenty thousand naira) for expenses including
but not limited to:

a.
Fuel expenses

b.
Official entertainment expenses

c.
Minor purchases and expenses

d.
Minor repairs and maintenance

e.
Local transportation

f.
Other minor expenses that may be logical and relevant to operational needs.

This list of allowable
petty cash expenses shall be reviewed regularly and updated accordingly upon approval
by the NBA President.

·       
There shall be segregation of duties
between the custodian of petty cash, the officer responsible for approval of
and replenishment of petty cash. The petty cash officer shall maintain a petty
cash register for the purpose maintaining petty cash records.

  2.0
Petty Cash Requisition

·       
A requesting department/individual raises
a petty cash requisition and forwards to the petty cashier.

·       
The requisition must be approved by the
HOD of the requesting department.

·       
The petty cashier reviews the requisition
and confirms the item required is an allowable petty cash item, otherwise,
redirect requisition to procurement or other appropriate process. List of petty
cash allowable expenses are documented in the policy statements for petty cash
above and is subject to amendments upon approval by the NBA president.

·       
Subsequently, the petty cashier prepares a
petty cash voucher for approval by the Head of Accounts.

·       
On approval, the petty cashier disburses
cash and the requesting individual signs for the cash received.

·       
After incurring the expenses, the
requesting individual must ensure that the petty cash obtained is retired and
relevant support documents and balance (if any) are submitted to the petty
cashier.

·       
Support documents shall be filed
accordingly with appropriate documentation.

3.0  Petty Cash Disbursement

·       
The maximum amount payable by the petty cashier
shall be N20, 000 per expense.

·       
A duly completed and approved petty cash
request form shall be presented by the requesting officer to the petty cashier
for disbursement of petty cash.

·       
Expenses paid from a petty cash fund can
only be made for the purpose for which the fund was authorized.

·       
At every point in time, the total amount
of all receipts plus the cash on hand shall be equal to the total approved
petty cash float of N250,000.

·       
Cash count shall be performed at the end
of each day by the petty cashier and reconciled to the book balance of the cash
on hand.

 4.0 Petty Cash Retirement

·       
Petty cash advances/disbursements shall be
retired within 72hrs of completion of the transaction for which the request was
made.

·       
Retirement of petty cash shall be done
using the petty cash voucher

·       
Any unexpended petty cash shall be
accounted for on the petty cash voucher and returned to the petty cashier.

·       
Evidence of expenditure such as receipts,
tickets etc. shall be attached to the petty cash voucher or retirement form.

·       
Petty cash advances not retired within the
stipulated timelines shall be recovered from the requesting staff’s salary.

·       
Where no evidence of expenditure is
provided, the HOD of the requesting department shall sign off on the expense,
otherwise the amount of the un-receipted expense will be recovered from the
requesting staff’s salary.

5.0
Petty Cash Reimbursement / Replenishment

·       
At the end of each month or when the petty
cash balance available reaches a reorder level of N60,000, the petty cashier
shall complete the petty cash replenishment form.

·       
The amount that shall be requested for
reimbursement shall be equal to the summation of approved petty cash disbursed
during the month, bringing the total available petty cash float to the approved
monthly amount of N250,000.

·       
The request shall be submitted with
supporting documents including: a. Petty cash register b. Petty cash support
documents i.e. request forms, receipts etc.

·       
Such requests shall be reviewed by the
Head-Accounts and approved for payment by the NBA President.

·       
All cheques for replenishment of petty
cash float shall be made payable to the petty cashier.

·       
On no account shall the petty cashier have
the aggregate of cash and unpresented for reimbursement vouchers that will be
more than the float.

6.0  Physical security of petty cash

·       
Petty cash shall be placed in a safe i.e.
fire – resistant box  Access shall be granted to only authorized
personnel 

7.0  Cash counts

·       
End of month cash count – At the end of
the month, a member of staff from a different team other than finance team e.g.
Internal Audit department or Administration department, will be appointed by
the Head of Finance, shall conduct a cash-count and reconcile the cash counted
to the book balance and the cash on hand. Any issues noted during the cash
count shall be documented in a Cash count report.

·       
Surprise cash count – Management or the
internal auditor shall carry out unannounced cash counts at least once a month
or as deemed necessary. This aims at ensuring the cash on hand equals the book
balance at all times.

ADR In Criminal Litigation: An Abomination Or Necessary Evil | Nonso Nonso Anyasi

ADR In Criminal Litigation: An Abomination Or Necessary Evil | Nonso Nonso Anyasi

The
picture of a purported settlement agreement executed between an alleged
offender and the parents of a fourteen year old girl who was defiled has been
making the rounds on Social Media, with many lawyers and PUBLIC commentators condemning
the said settlement agreement which was presided over by Office of the
Commissioner of Police of Rivers State.

Many lawyers have opined that this
settlement agreement is alien to our criminal jurisprudence, as offences
dealing with rape, sexual harrasment and defilement of minors should be placed
outside the scope of operation of Alternate Dispute Resolution (ADR) mechanism
in order to emphasize the gravity of such offences. 
It
has become necessary to critically examine the position of the law on ADR in
criminal litigation in Nigeria. Does the law expressly prohibit “settlement” of
criminal cases? Before engaging in an exposition of the jurisprudential
principles of criminal litigation as it applies to this case, it is pertinent
to briefly state the facts of this notorious case for the ease of assimilation. 
The
father of a fourteen year old girl, upon the advice of his Counsel brought a
petition to the Office of the Commissioner of Police in Rivers State, alleging
that his daughter had been sexually defiled by a certain Chief in the
community. They sought the arrest and prosecution of the offending Chief.
Subsequently, the suspect who was accosted by the police confessed to his
complicity.  An agreement was then
reached between the accused person and the victim’s family that the accused
person and his family would apologise to the victim and her family, and also be
responsible for the medical bills of the victim. It was also agreed that the
victim would undergo monthly check up at a specified hospital for six months.
It was further agreed that upon the final check up on the sixth month, the
victim would withdraw the petition if she has been certified to be medically
fit and okay. The accused person also agreed to pay a specified sum of money as
immediate compensation to the victim’s family. The agreement was drawn up by
the legal Counsel of both parties, and executed by the parties and their
Counsel. The victim, being a minor did not sign this agreement, but it was
signed by her father. 

The
picture of this settlement agreement which was leaked on Twitter as soon as it
was executed has attracted serious opprobrium from different quarters.
Alternate Dispute Resolution (hereinafter “ADR”) is not alien to our criminal
jurisprudence. Before the introduction of colonial rule in Nigeria, disputes
were settled amicably amongst the interested parties. There was no distinct discrepancy
between civil and criminal cases in pre-colonial cases, as there was no
codified system of laws. The head of communities in most instances acted as an
umpire in settling disputes. Where offencs were committed against a member of
the community, the offender would be made to pay restitution to the victim, and
also be made to suffer moral reproach and disgrace. The principle of
restitution was however the most paramount principle behind punishment of civil
offenders in pre-colonial Nigeria. 

However,
with the advent of colonial rule, and subsequently independence, the legal
system became formalised with the introduction of the courts and prison system.
Offenders were prosecuted by the state on the behalf of the victim and the community,
and in most cases, sentenced to either jail term or compelled to pay fines to
the state. There are several principles behind the concept of punishment in
modern day criminal jurisprudence, including:

1.      Retribution: This is based on the
biblical theory of an eye for an eye, wherein offenders are made to suffer
punishment parallel to the wrong they have committed. Sentences of imprisonment,
death penalty, and corporal punishment are based on the retributive philosophy.

2.      Restitution: Here, the offender is
given the chance to make amends for his past misgivings. The offender is
punished in such a way that the society and/or the victim are compensated for
his crimes. Sentences such as community service, fines, and orders for
forfeiture of property are classic examples of the restitutive principle.

3.      Detterence: Often times, some offenders
are used as scape goats to teach a lesson to other members of the society to
desist from engaging in similar vices. This priniciple which is also known as
the utilitarian principle by Western Legal Scholars is more pronounced where
the victim has shown remorse or has already offered to make restitution for his
actions. Sentence of both imprisonment and fines on convicts is an example of
the detterence philosophy at work.

4.      Rehabilitation: This theory aims at
correcting and re-integrating offenders into the society. The offenders are
given the lessons which make them vilify their previous crimes, and are
re-integrated into the society to live crime-free lives. This principle is
mostly utilised for juvenile delinquents and first time offenders.  

The
Nigerian criminal justice system which attempts to combine all the above
principles can however be said to be largely retributive in nature. It is trite
that no person shall be punished for an offence except if such punishment is
defined and the punishment prescribed in a written law. A critical review of
the penal laws of Nigeria will reveal most criminal punishments are retributive
in nature. It places much premium on inflicting punishment and pain on the
offender than any real attempt to reform and reintegrate the offender back into
the society. From the time an offence is committed to the trial and judgment,
all our legal rules is concerned with is proving guilt according to the letters
of the law. Little or nothing is done about repairing the damage done by the
crime. Victims of crime and even the community who suffer the direct impact of
the offence are relegated to the background. 

The
resultant effect of this over-reliance on the retributive system is that the
court rooms are over-congested with too many cases and litigation is prolonged
before justice is achieved. It takes time for the guilt (or innocence) of an
accused person to be established, due to the traditional problems of shortage
of facilities associated with our juducial system. Trials at the high courts
take as long as three years before a verdict is reached. An appeal from the Court
of Appeal to the Supreme Court can span for as long as six years. Ordinarily,
an accused person remains incarcerated in custody as a guest of the state
during his trial, and may be discharged by the apex court on appeal. He would
then be made to have suffered unjustly for an offence which he is innocent. The
case of Shande v State (2005) 12 NWLR
(PT 939) 301
wherein the accused person was acquitted by the Supreme Court
after facing trial for eight years is a classic example of the tribulations
facing our retributive criminal justice system. 

The
proximate impulsion to this treatise being the recent settlement agreement to
oust the jurisdiction of the court in trying an alleged criminal offender is
the critical review of the application of ADR to criminal litigation in
Nigeria. Recently, the policy framers of the Nigerian Criminal Justice system
have begun to embrace and intigrate ADR into our criminal jurisprudence. The
Administration of Criminal Justice Act (ACJA) contains a legal framework for the
adoption of a mild form of ADR via plea bargaining in Nigeria. In the case of FRN v Igbinedion & Ors (2014)
LPELR-22760 (CA),
the Court of Appeal in defining plea bargaining adopted
the definition of the Black’s Law dictionary thus: 

“What
is a plea bargain arrangement? Bryan Garner’s Black’s Law Dictionary 8 the
Edition at pg. 1190 defines plea bargain as “A negotiated agreement between a
prosecutor and a criminal defendant whereby the defendant pleads guilty to a
lesser offence or to one of multiple charges in exchange of some concession by
the prosecutor usually a more lenient sentence or a dismissal of the other
charges.”

Plea
bargain also known as plea agreement or plea deal, although not expressly
stated to be an ADR mechanism, can be regarded as such because its form and
effects conforms to the principles and aims of ADR. It has been submitted that
plea bargaining is a case management strategy like other ADR mechanism which
brings about effective case management.[1]
In a plea bargain arrangement, the accused person agrees to plead guilty to the
some or all of the offences he is charged with, in return for a lesser
punishment. Plea bargains are mostly activated in corruption trials involving
the EFCC. It was used in the trial of ex-IGP of Police Tarfa Balogun, and the
trials of ex-Governors Lucky Igbinedion, and Diepreye Alamieyeseigha of Edo and
Bayelsa States, amongst others. The advantages of plea bargain which have been
given judicial notice by the Court of Appeal in FRN v Igbinedion (Supra) include: 

“(1) Accused can avoid the time and
cost of defending himself at trial, the risk of harsher punishment, and the
publicity the trial will involve.

(2) The prosecution saves time and
expense of a lengthy trial.

(3) Both sides are spared the
uncertainty of going to trial.

(4) The court system is saved the
burden of conducting a trial on every crime charged.”

It
must however be stated that plea bargaining can only be activated where there
is a pending charge before a competent court. In the Rivers State purported
settlement agreement under consideration, the matter was still being
investigated by the Police, who were yet to prefer a formal charge against the
accused person. Therefore, it can be submitted that this does not amount to a
plea bargain arrangement. The best legal terminology to describe this
settlement is mediation. It is clear from the facts that the agreement was
signed ssubject to the supervision of the Nigerian Police Force who were
investigating the matter. It is pertinent to note that the Police Force is
given wide powers under Section 4 of the
Police Act
which provides that: 

“The police shall be employed for the
prevention and detection of crime, the apprehension of offenders, the
preservation of law and order, the protection of life and property and the due
enforcement of all laws and regulations with which they are directly charged,
and shall perform such military duties within or outside Nigeria as may be
required of them by, or under the authority of this or any other Act.”

The
Police therefore have the primary responsibility of apprehending offenders. But
they are not saddled with the task of punishing offenders. However, they have a
general duty to maintain the peace, law and order in the society. It is the
duty of the state to prosecute and punish offenders, and not the police. Before
the state can prosecute, the police must first file a first information report
which informs the relevant state department (Ministry of Justice or Department
of Public Prosecution) of the purported commission of the offence. It is
important to note that the entire criminal system in Nigeria is based on the
exercise of discretionary powers by the parties involved. The Police Force in
submitting an information report to the Department of Public Prosecution
exercises discretionary powers. They are not bound to charge every percieved
offender to court. The Ministry of Justice or Department of Public Prosecution
(as the case may be) is also not under any obligation to prosecute all persons
who have been referred to them. The Supreme Court in the locus classicus case
of Akpa v. State (2008) 14 NWLR
(Pt.1106) 72
explained this hallowed position of the law when the Noble
Lord Nikki Tobi JSc opined thus:

The
prosecution has an unfettered discretion to prosecute person in court and
because the discretion is unfettered, court of law do not have the power to
question it
…The only jurisdiction of the court is to try accused person
presented before it for prosecution. The
prosecution is not under any regimental duty or any duty at all, to charge all
possible accused persons
“. (@ pg 18 paras A- D). 

Therefore,
it is submitted that the Police Force and the Ministry of Justice should be
exonerated from whatever legal and moral vilification that the purported
settlement agreement attracts.  

As
stated earlier, the purported settlement can be best described as the proceeds
of a mediation agreement. The Victim-Offender Mediation program is not unknown
to international jurisprudence. The Victim-Offender Mediation program is aimed
at promoting direct communication between the victim and the offender. The
victim has the opportunity to ask questions, address the mental, psychological
and emotional trauma caused by the crime and its aftermath and seek reparation.[2]
It lays more emphasis on restitution and reconciliation of crime related
offenders through one on one meeting between victims and offenders subject to
the oversight of trained mediators, rather than focusing on the retributive
system which characterises our outdated criminal litigation system. This method
is the oldest and most widely used form of ADR in criminal cases in other
jurisdiction especially when juveniles are involved.

A
proper analysis of the terms of settlement of the Rivers State Agreement
reveals that each of the clauses is geared towards the restorative or
restitutive principles of punishment. The accused person and his family were
made to undergo moral reproach by publicly apologising to the victim and her
family. The case has aleady gained sufficient notoriety, and his identity as a
potential sex offender is not in question. Furthermore, and in addition to the
moral punishment of apology, financial sanctions has also been imposed on him.
The fine which he would pay goes directly to the victim. This is unlike the
traditional penal system where fines imposed by the court are payable to the
state and becomes the property of the state. The offender has thus been
compelled to make amends to the victim by paying for her medical treatment and
also by the payment of damages. 

A
critical evaluation of the entire agreement will reveal that the mere execution
of the agreement does not immediately oust the jurisdiction of the court to
prosecute the accused offender.  In fact,
the petition submitted to the police was not withdrawn at the time of executing
the agreement. The most important clause in the agreement is term No. 5 which
provides that the victim and her family will withdraw the petition if she is
certified to be medically fit after the final medical check to be carried out
on a pre-determined date. Thus, the victim is given the freedom to pursue the
petition in the event that she has not benefitted from the proposed
restitution. The entire agreement is one which exemplifies the restorative
approach to criminal jurisprudence which places the victim at the centre of
proceedings, as opposed to the traditional retributive approach wherein the
offender is the centre of proceedings. It is only in extremely rare cases
involving theft of property that the accused person in criminal proceedings is
compelled by the courts to make restitution to the victim.[3]

It
is however understandable that the gravamen of public opprobrium against this purported
settlement agreement (and Victim-Offender Mediation) is the percieved
trivialisation of the grave offence of rape and sexual molestation. It has been
argued that such agreement operates to make the offence of rape very lucrative
and appealing to potential offenders who now know they can avoid jail term by
the simple payment of compensation to the victim. In blancing this conflict
between the need to impose retributive/detterent punishment on offenders and
the need to engage in restitutive practices, the dictum of the Court of Appeal
in the case of Okomu Oil Palm Ltd v
Okpame (2007) 3 NWLR (Pt. 1020) p.71
is most instructive thus:

After
all, it must be remembered that justice is not a one-way traffic. It is not
justice for the plaintiff alone. It is not even only a two-way traffic in the
sense that it is justice for the plaintiff and the defendant alone. I think
really justice is a three-way traffic in justice for the plaintiff who is
crying for a redress of the wrong done to him; justice for the defendant who is
crying that he should be heard and his defence considered before being ordered
to pay any sum claimed against him and also before being mulcted in cost; and
finally but very important, justice for the society at large whose social norms
and psyche are certainly going to be adversely affected if it cannot be seen by
the common but reasonable man that upon the facts as laid down, justice in the
real and true sense of that word, has been seen to have been done by the
arbiter.”
(Per Aderemi JCA). 

Hence,
has justice been done to all aggrieved parties in this case? Has justice been
done to the accused ofender who has been made to make financial restitution for
the consequences of his act? Will this deter him from committing similar act in
the future? Has justice been done to the victim who has received compensation
for the injury she suffered? Has justice been done to the victim’s family who
have received an apology and monetary compensation from the offender and his
family? Does this apology and monetary compensation diminish and overshadow the
shame of having a defiled daughter? Has justice been done to the state by this
agreement? The agreement has saved the state the resources it would otherwise
have expended in prosecuting and punishing the offender. However, will this
prevent future occurences of similar crimes in Rivers State? Will the society
learn from this event and come to the conclusion that defilement of underage
girls is unacceptable, or will they be willing to risk the venture of public apology
and payment of monetary compensation just to have a bite at the forbidden
apple? 

This
writer invites his readers to draw their own conclusions.

Nonso Anyasi is a Lagos-based Lawyer.
He tweets @Oluwanonso_Esq



[1]
Alternative
Dispute Resolution and Its Relevancy in Criminal Matters, Aduaka & Onnome,
International Journal of Business & Law Research 6(1):75-84, Jan.-Mar.,
2018

[2]
J.R. Gehm “Victim-Offender Mediation
Programs: An Exploration of Practice and Theoretical Frameworks
Western Criminology Review, Vol. 1 No http://wer.sonoma.edu/v1n1/gehm.html 

[3]
See the case of Ikpe v FRN & Anor (2018) LPELR-45567 (CA)
Written By:

Nonso
Nonso Anyasi

(@Oluwanonso_esq)

Satire: The Arrest and Detention of Sowore | Ibukunoluwa Idris

Satire: The Arrest and Detention of Sowore | Ibukunoluwa Idris

IN
THE FEDERAL HIGH COURT OF A DEMOCRATIC STATE

IN
THE IMAGINARY JUDICIAL DIVISION

HOLDEN
AT THE NEW NIGERIA

                                           SUIT
NO: 
DFHC/999/2019

BETWEEN

PATRIOTIC
CITIZENS

OMOYELE
SOWORE                                                                          APPLICANTS

AND

1.   
THE HOPEFUL DEMOCRATIC STATE

2.   
ALL CITIZENS’ SECURITY AGENCIES

3.   
ATTORNEY GENERAL FOR CITIZENS                                        RESPONDENTS

                                                FINAL
WRITTEN ADDRESS

1.0         
INTRODUCTION/STATEMENT OF FACTS

1.1         
The
2nd Applicant via an interview on social media announced a protest called
“Revolution Now”, which was to take place on 5th August 2019 in 25
states of the 1st Respondent.

1.2         
The
2nd Applicant duly stated the purpose of the protest as follows: ‘the people’s
revolution against unjust and divisive order. It will change the conduct of
people in and out of government. It is a revolution being undertaken to make
people reject the old order and say ‘Enough is Enough’.’

1.3         
However,
on 3rd August 2019, which was 2 days before the proposed protest, a
body of the 2nd Respondent, responsible for managing, curtailing,
containing and eliminating threats against national security, in a sham of
carrying out its duties arrested the 2nd Applicant.

1.4         
The
said body of the 2nd Respondent with the confidence of a superior
backing, definitely not the law but rather a despot, filed a Motion Ex-parte
for an Order to arrest the 2nd Applicant for a period of 90 days on the grounds
of threatening public safety, peaceful co-existence and social harmony in the
country.

1.5         
The
said body of the 2nd Respondent further alleged that there was
apprehension and anxiety among voiceless citizens as to what would happen next.

1.6         
The
Honorable Court having been misled by the affidavit of the 2nd Respondent
relied on section 27(1) of the Terrorism (Prevention) Act and granted the
vacuous order to detain the 2nd Applicant for a renewable period of 45days.

2.0         
ISSUE FOR DETERMINATION

2.1         
Whether
or not the arrest and detention of the 2nd Applicant by a body of the 2nd
Respondent is lawful, acceptable and humane in a full-fledged democratic nation
although ruled by a metamorphosed militant.

3.0         
ARGUMENTS

3.1         
It
is a settled principle of law that an alleged offence must be created by
statute. In other words there must be a statutory provision creating it as an
offence before any person can be arrested, detained and convicted for the said
offence.

3.2         
Furthermore,
the Apex Court emphatically stated that it is rudimentary and elementary for
anybody or persons having something to do with dispensation of justice in this
country to know that no citizen can be made to face any criminal trial for an
act which is not qualified as an offence nor defined or stated (codified) in any
law and the punishment thereof prescribed. All courts, so named, cannot claim
ignorance of these facts. See the
following cases: George –V- FRN (2014) All FWLR (Pt.718) 879; Abioye –V- FRN
(2014) All FWLR (Pt.722) 1646; Aliyu -V- FRN (2014) All FWLR (Pt.720) 1272
.

3.3         
This
position of law has been restated by the Appellate Court in the case of Nggilari –V- State & ORS (2017)
LPELR-42985(CA),
where Honorable Justice Omoyele at Page 68,
Paragraphs B-E
held as follows:

“The
law is also well established that no person shall be arraigned or charged for
anything done or undone which does not constitute an offence in any written
law. See Section 36 (6) (a) of the Constitution of the Federal Republic of
Nigeria, 1999 (as amended)”

3.4         
Flowing
from the above we humbly submit two sub-issues to be determined by this most
esteemed Citizens’ Court, which are as follows:

a)    Whether the 2nd
Applicant’s actions or the word “Revolution Now” constitutes the offence of
Terrorism under the law?

b)    Whether by the provisions of the law,
the 2nd Applicant has the right to form or lead a peaceful assembly
against the unruly acts of a sterile democratic government.

Whether
the 2nd Applicant’s actions or the word “Revolution Now” constitutes
the offence of Terrorism

3.5         
I
humbly submit and reiterate that to determine the lawfulness of an act, a
reasonable man ought to look at the provisions of the law vis a vis the
features of the act in question.

3.6         
It
is paramount to define terrorism according to the law. In the case of Abdulmumini –V- FRN (2017) LPELR-43726 (SC),
His Lordship KEKERE-EKUN, J.S.C. at 
Pages 21-23, Paragraphs F-A
expounded on the nature of the offence
of terrorism and stated as follows:

“Section
15(2) of the EFCC Act provides: “(2) Any person who commits or attempts to
commit a terrorist act or participates in it facilitates the commission of a
terrorist act, commits an offence under this Act and is liable on conviction to
imprisonment for life.” Section 46 of the Act provides:
“Terrorism” means – (a) Any act which is a violation of the Criminal
Code or the Penal Code and which may endanger the life, physical integrity or
freedom of, or cause serious injury or death to, any person, any number or
group of persons or causes or may cause damage to public property, natural
resources, environmental or cultural heritage and is calculated or intended to
i. Intimidate, put in fear, force, coerce or induce any government body or
institution, the general public or any section thereof, to do or abstain from
doing any act or to adopt or abandon a particular standpoint, or to act
according to certain principles or ii. disrupt any public service, the delivery
of any essential service to the public or to create a public emergency or iii.
create general insurrection in a state; (b) any promotion, sponsorship of,
contribution to, command, aid, incitement, encouragement, attempt, threat,
conspiracy, organization or procurement of any person with the intent to commit
any act referred to in paragraph (a)(i), (ii) and (iii).”

3.7         
He
further stated at Page 29, Paragraph D-A as follows:

“The crucial aspect of the
offence of terrorism is the creation of intense fear and anxiety, both physical
and psychological in the minds of members of the public which has the effect of
coercing, forcing, intimidating them to do or abstain from doing any act or to
adopt or abandon a particular view, policy or position to act according to
certain principles.”

3.8         
It
is pertinent to respectfully submit that the yardstick to determine terrorism
is if there is an intention to act violently such that it will cause
insecurity to members of the public
. (Emphasis mine)

3.9         
The
alleged act of the 2nd Applicant that amounts to terrorism is the protest
tagged “Revolution now” which is intended to agitate against the menace of the
ruling government.

3.10       Respectfully, it is of utmost
importance to note that the peaceful protest was to be carried out in a
democratic society where the government ought to be responsible and responsive
to the citizens.

3.11       However, the said body of the 2nd
Respondent has raised two major concerns to be addressed: the phrase “Revolution
Now” is an intent to violently overthrow the government, and that members of
the public felt unsecured.

3.12       Basically, Revolution is an effort to
transform the political institutions and the justifications for political
authority in society, accompanied by formal or informal mass mobilization and
non-institutionalized actions.

3.13       This could be violent or non-violent.
A non-violent revolution is a revolution using mostly campaigns with civil
resistance, including various forms of non-violent protest, to bring about the
departure of bad governments.

3.14       Generally a non-violent revolution is
characterized by simultaneous advocacy of democracy, human rights and national
independence in the country concerned which was what the 2nd
Applicant sought to achieve.

3.15       The 2nd Applicant in his declaration
of a Revolution stated the purpose of the movement as follows:

“It
is the people’s revolution against unjust and divisive order. It will change
the conduct of people in and out of government. It is a revolution being
undertaken to make people reject the old order and say ‘Enough is Enough’.

3.16       I humbly submit that there is nothing
in the said statement or other statements and actions made by the 2nd
Applicant that posed a threat to the peaceful co-existence of the Country.

3.17       Furthermore, the 2nd Respondents
failed and/or neglected to tender any iota of evidence by which violence has
been threatened.

3.18       Addressing the second issue raised by
the 2nd Respondent, I humbly submit that the Court, in determining
the issue of whether the words of the 2nd Applicant created intense fear and
anxiety, both physical and psychological in the minds of members of the public,
ought to examine the view of a man on
the clapham to give such
evidence.

3.19       It
is important to note that the 2nd Respondent failed to produce any
witness to give evidence on this issue, neither
did the Court call for such evidence
nor were there expressions of fear or anxiety by members of the public across
the various social media platforms. In the same breath, the 2nd
Applicant had the support of a lot of groups, including workers, unions, Civil
Society Organisations (CSOs) amongst others.

3.20       In view of the above, I humbly submit
that the concerns of the 2nd Respondent as laid before the Court
should be roundly disregarded.

3.21       It is only apparent that the violent
has taken by force what they tainted to be violent without any vivid evidence
of actions or words denoting violence. It is paramount to further state that
the violent feel threatened by the voice of the oppressed and has used an arm
to shield itself.

3.22       Par adventure, the word ‘Revolution’
connotes Treason and therefore makes users guilty, then our metamorphosed militant
and the oga at the top is guilty (maybe sometimes in the year 2007, 2012, 2016
or 2017), graciously there is no limitation of time to criminal offences
otherwise the Rule of Law is being shamefully trampled upon.

3.23       Most respectfully, I submit that
there is no action whatsoever that has posed terror as provided for in the Criminal Code, Economic and Financial
Crimes Commission Act and the Constitution. Provided that we have enacted laws
declaring the use of the mere word ‘Revolution’ as a criminal act, none of
which I am aware of, and new laws have been created with retrospective effect
in a democratic dispensation then I shall rest my case.

3.24       Flowing from the above, I therefore
urge this Honourable Court to reverse the Order made on 3rd August
2019.

Whether
by the provisions of the law, the 2nd Applicant has the right to
form or lead a peaceful assembly against the unruly acts of a sterile
democratic government.

3.25        
Section
39 of the sacred Constitution of the Federal Republic of Hopeful Democratic
State provides as follows:-

1.    “Every person shall be entitled to
freedom of expression, including freedom to hold opinions and to receive and
impart ideas and information without interference

2.    Without prejudice to the generality
of Subsection (1) of this section, every Person shall be entitled to own,
establish and operate any medium for the dissemination of information, ideas
and opinions: Provided that no person, other than the Government of the
Federation or of a State or any other person or body authorized by the
President on the fulfillment of conditions laid down by an Act of the National
Assembly, shall own, establish or operate a television or wireless broadcasting
station for, any purpose whatsoever.

3.    Nothing in this section shall
invalidate any law that is reasonably justifiable in a democratic society –

a.
for the purpose of preventing the disclosure of information received in
confidence, maintaining the authority and independence of Courts or regulating
telephony, wireless broadcasting, television or the exhibition of cinematograph
films; or

b.
imposing restrictions upon persons holding office under the Government of the
Federation or of a State, members of the armed forces of the Federation or
members of the Nigeria Police Force or other Government security services or
agencies established by law.”

3.26       Furthermore, section 40 of the
Constitution also provides as follows

“Every
person shall be entitled to assemble freely and associate with other persons,
and in particular he may form or belong to any political party, trade union or
any other association for the protection of his interest: Provided that the
provisions of this section shall not derogate from the powers conferred by this
constitution on the Independent National Electoral Commission with respect to
political parties to which that Commission does not accord recognition.”

3.27       Honourable Justice Adekeye J.C.A (as
he then was) postulated on the sacredness of the above provisions in a
democratic state where he held in the case of Inspector General of Police –V- ANNPP and 4 ors (other political
parties) (2007) LPELR-8932(CA) at Page 28, Paragraphs F-G
as follows:

“The police have no powers to
stop or restrict the fundamental rights of Nigerians to freedom of expression
and assembly once those rights are exercised within the ambit of the law. If
the demonstrates or marchers breach any law in the course of exercising their
freedom of expression and assembly the Criminal Code is there to take care of
such infraction.”

3.28       Without bothering this Honourable
Court, the facts of the above case are as follows: The now metamorphosed
militant leader was the then candidate of the 1st Respondent and
alongside with 4 other political parties staged a protest against the sitting
government for its inability to effectively govern the nation. The Police
refused to grant permit to hold the rally and further obstructed the
Respondents from holding the protest. A suit was filed against the government
for breach of Fundamental Human Right (that seems now to have gone into the
thin air) and an Injunction against the government, the Court granted their
prayers and honored the position of the constitution.

3.29       In hallowing the sacredness of the Constitution
and jealously protecting the rights of citizens, the Court said “The
constitution of any country is the embodiment of what the people desire to be
their guiding light in governance, their supreme law the groundnorm of all
their laws. All actions of the government in Nigeria are governed by the Constitution
and it is the Constitution as the organic law of a country that declares in d
formal, emphatic and binding principles the rights, liberties, powers and
responsibilities of the people both the governed and the government.

3.30       However, this position now seems to
be mere words without the force or backing of the powerful, the whole essence
of this argument is to pray the Court as a separate arm to honor its words and
trample upon cowardice.

3.31       I humbly submit that this Society is
ripe and ready to be liberated from our oppressive past. Therefore, the right
to demonstrate and the right to protest on matters of public concern are rights
which are in the public interest and that which individuals must possess, and they
should be exercised without impediment as long as no wrongful act is done.

3.32       If as speculated by a body of the 2nd
Respondent that a breach of the peace and Treason would occur, the criminal
code has graciously made adequate provisions for sanctions against breakdown of
law and order so that the detention of protesters can no longer be justified in
a democratic society

3.33       Furthermore, the underlying factor in
the peculiar circumstance of this case is the possibility of overthrow of
government, terrorism and breach of peace while the rally is in progress. This
first and foremost should be regarded as indictment on all security agencies
most especially the police force and their presumed inadequacy to discharge
their statutory duties under the Enacted Act to maintain law and order.

3.34       With utmost respect and allegiance to
this society I humbly submit that the reason as posed by the Respondents is not
only untenable but highly speculative and I am of the impression that it is not
pungent enough to deprive a citizen of a right enjoyed by virtue of the grand
norm.

3.35       I most humbly refer this Court to the
case of Shetton V. Tucker 364 US 479,488
(1960)
where the United States Supreme court observed that-


“Even though the Governments purpose may be legitimate and substantial
that purpose cannot be pursued by means that broadly stifle fundamental
personal liberties.”

3.36       Furthermore, this incidence will not
be the first of its kind and the attitude of a responsive government in a
democratic state as gleaned from Guardian Newspaper edition of October 1st
2005, the Government, rather than shy away from the truth and seek redress in
detention, had in the broadcast made by the reformed democratic militant
Olusegun Obasanjo publicly conceded the right of Nigerians to hold public
meetings or protest peacefully against the Government’s increase in the price
of petroleum products. The honourable president realised that democracy admits
of dissent, protest, marches, rallies and demonstrations.

3.37       I humbly submit that an intended or
actualised rally or placard carrying demonstration has become a form of
expression of views on current issues affecting government and the governed in
a sovereign state. It is a trend recognised and deeply entrenched in the system
of governance in civilised countries – it will not only be primitive but also
retrogressive, appalling, oppressive and shameful if the Respondents continues
to silence democratic citizens by way of detention.

3.38       It ought not to be said or heard that
the violent oppressors are feeble to lawfully defend themselves and would
rather accuse the oppressed of being violent, even though written without
blueprints and seen by all.

3.39       We submit that there is no iota of
evidence alluding terrorism, treason or violence to disentitle the 2nd
Applicant of his Fundamental Human Rights.

3.40       We respectfully pray this Honourable
Court to uphold that the detention of the 2nd Applicant in a
democratic society by an elected government is illegal and ought to be
nullified.   

4.0         
CONCLUSION

4.1         
In
the light of the above arguments, we urge this Honorable Court to nullify the
arrest and detention of the 2nd Applicant as same is illegal,
repugnant and repulsive in a democratic society.


Written By: 

Ibukunoluwa Idris

Payment Service Banks in Nigeria (PSBS): A Review of the Proposed Guidelines for Licensing and Regulation by the CBN

Payment Service Banks in Nigeria (PSBS): A Review of the Proposed Guidelines for Licensing and Regulation by the CBN

The Central Bank of Nigeria (CBN) by its letter dated 5th October 2018, written to all banks, telecommunication companies, mobile money operators, banking agents and the Nigerian Communication Commission, circulated draft guidelines and regulations of Payment Service Banks in Nigeria (PSB) for comments and observations.
Payment Service Banks in Nigeria The Payment Service Banks in Nigeria is CBN’s initiative to promote a sound financial system in Nigeria in order to enhance access to financial services for low-income earners and unbanked segments of the society.
PSBs are expected to leverage on mobile and digital services to enhance financial inclusion in Nigeria and stimulate economic activities at the grassroots through the provision of financial services.
PSBs will also enable high volume low-value transactions in remittance services, micro-savings and withdrawal services in a secured technology-driven environment to further deepen financial inclusion.
The draft guidelines issued by CBN was issued pursuant to the CBN Act 2007 and (Banks and Other Financial Institutions Act (BOFIA) 1991.
The guidelines cover definition, objectives, and eligible promoters, licensing requirements, corporate governance, business conduct and permissible activities. The requirements for prudential regulation, supervision, Know Your Customer (KYC)as well as risk management of the proposed Payment Service Banks is also covered.
Some of the key provisions of the Regulations include:
1. Objectives of Establishing Payment Service Banks in Nigeria:
Section 2 of the proposed regulations reiterate the objective of setting up payment service banks as primarily to enhance financial inclusion in Nigeria, especially in rural areas by increasing access to deposit products, payment services to small businesses, low-income households and other entities through high-volume low-value transactions in a secured, technology-driven environment.
2. Structure of Payment Service Banks in Nigeria:
The structure for establishment of PSBs is provided in Section 3 and includes; operations in rural areas and unbanked locations with not less than 50% physical access points, establishment of ATMs in some of the areas, operation through banking agents, use of other channels including electronic channels, establishment of coordination centers, technology-driven operations, and setting up of help desks strategically to attend to consumer-related issues.
3. Permissible And Permissible Activities of Payment Service Banks in Nigeria:
Section 4 (4.1) and (4.2) of the proposed guidelines provide the services PSBs shall carry out. They include maintaining savings accounts and accepting deposits from individuals and small businesses, carrying out payments and remittance services through various channels within Nigeria, issuing debit and pre-paid cards, operation of the electronic purse, investment in FGN and CBN securities.
PSBs are however restricted from granting any form of loans, advances and guarantees, trade in the foreign exchange market, insurance, underwriting or undertaking any transaction not prescribed by the guidelines. It is also mandatory for a PSB to use the words “Payment Service Banks” in its name to differentiate it from other banks.
4. Eligible Promoters:
Eligible promoters include Banking agents, Telecommunications companies (through subsidiaries) retail chains and mobile money operators. The list is however not exhaustive and CBN is at liberty to consider other entities not provided in the guidelines.
5. Licensing Requirements for Payment Service Banks in Nigeria:
By the provisions of Section 6 of the guidelines, a PSB license is required. Promoters of PSBs are required to submit a formal application in this regard to the Governor of the Central Bank. An Approval in Principle will first be granted within 90 days of the application for the establishment of a PSB, and not later than 6 months after the grant of an Approval in Principle; a Final License will be granted.
a. Approval in Principle: The requirements for the grant of approval in principle are as contained in Section 6.1 of the guidelines. The requirements include payment of an application fee, evidence of minimum share capital, name reservation, business plan or feasibility report, draft copy of Memorandum and Articles of Association, Undertaking to meet capitalization requirements, Shareholders Agreements, Technical Services Agreement, Financial Management Policy, anti-Money Laundering and Combating Financing Terrorism Policy, Code of Ethics etc.
                                            Payment Service Banks in Nigeria
b. Final License: For a final license to be granted pursuant to Section 6.2, the CBN shall conduct an inspection of the premises and facilities of the proposed PSB, sight original copies of documents submitted, meet with the board and management, verify capital contributions and verify the integration of its infrastructure with the National Payments System.
6. Requirements For Commencement Of Operations And Post-Commencement Requirements:
As provided in Section 6.4 and 6.5 of the proposed guidelines, the PSB shall through a letter inform the CBN of its readiness to commence operations and the application shall be accompanied a by a list of documents specified.
A PSB as part of the post-commencement requirements is also mandatorily required to comply with all guidelines and regulations issued by CBN, maintain adequate accounting system and records, maintain an unimpaired minimum capital at all times and comply with the requirements incidental to the authorization to perform banking operations as stipulated by CBN.
7. Financial Requirements for Payment Service Banks in Nigeria:
The financial requirements are as provided in Section 6.6 of the proposed guidelines and are as follows:
a. Minimum Capital N5,000,000,000.00
b. Non-refundable application fee N500,000.00
c. Non-refundable License Fee N2, 000,000.00
The share capital deposit as stated by the guidelines is subject to availability of instruments and upon the grant of a license or otherwise, the CBN shall refund the sum deposited together with the investment income if any, after-tax and administrative expenses have been deducted.
8. Corporate Governance And Business Conduct (Fair Competition):
Section 7 provides that the code of corporate governance applicable to banks as well as the Revised Assessment Criteria for Approved Persons’ Regime for Financial Institutions shall be applicable to PSBs.
The proposed regulations further provide that where a PSB is related to an existing infrastructure service provider which provides services to other financial institutions, the PSB shall ensure that its dealings with the infrastructure provider are at arm’s length.
Payment Service Banks in Nigeria The guidelines interestingly incorporate a provision to ensure fair competition amongst PSBs. Section 8 of the proposed guidelines mandate a parent company of a PSB which renders services to its subsidiary PSB, to also offer the same services to other PSBs on the same terms and conditions.
It also prohibits parent companies of Payment Service Banks in Nigeria from offering any preferential treatment, which negates fair competition, to its subsidiary. The failure to abide by the fair competition clause may lead to revocation of the PSB license.
9. Capital Adequacy Ration And Investment Of Deposit Liabilities: 
The capital adequacy ratio of a PSB shall be measured as a percentage of the shareholders’ funds unimpaired by its risk-weighted assets.
The minimum capital adequacy ratio shall be 10% or as may be prescribed by the CBN. PSBs shall be required to maintain not less than 5% of their deposits in treasury bills and other short terms Federal Government debt instruments at any point in time.
10. Supervision, KYC Requirements And Risk Management:
PSBs shall be supervised by the CBN and shall comply with the relevant provisions of the Money Laundering (Prohibition) Act, Terrorism Prevention Act, CBN AML/CFT Regulations for banks and other financial institutions and other extant laws and regulations on KYC issued by the CBN.
Primarily, since Payment Service Banks in Nigeria are prohibited from granting loans, provisions of credit risk management do not apply. However, management of other risks shall be as applicable to Direct Money Banks as may be prescribed by the CBN.
Conclusion / Recommendations 
Without any doubt, the establishment of Payment Service Banks in Nigeria is a welcome development particularly as it aims to promote financial inclusion and enhance access to financial services. It also provides investment and employment opportunities for promoters as well as service providers.
However, a critical review of the proposed guidelines with specific reference to restrictions contained in the guidelines appears to be a deal-breaker. The restrictions with respect to the scope of services a PSB can render including restriction on advancing loans, restriction on investment platforms, capital and mandatory infrastructural requirements all appear to be disincentives to the establishment of a PSB is a worthy venture.
It has been argued that the establishment of a PSB pursuant to the proposed guidelines may not be profitable.
As a corollary, the unavailability of some services including loans advancement may seem to defeat the purpose of establishing PSBs. This is because the low-income earners and unbanked segments of the society, who are the target market, are still left out of vital financial services thus defeating the primary purpose of establishing the PSB.
The CBN claims that by establishing the Payment Service Banks in Nigeria, it aims to enhance financial inclusion and stimulate economic activities at the grassroots through the provision of financial services however this may likely not be achieved having regard to the proposed guidelines.
It is comforting that the guidelines have not been finalized and can still be reviewed. It is suggested that the CBN in reviewing the guidelines reduce the restrictions and offer more incentives to make the PSB more attractive to investors.
This would also enhance services available to the target market and ensure that purpose of establishing the PSB is achieved. It is our recommendation that in finalizing the regulations the CBN takes into account contributions from core stake-holders to the proposed regulations to ensure that mutually beneficial guidelines are issued.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.
Written by –  

Oil Rig as Vessel under the Cabotage Act 2003 and the Cabotage Amendment Bill 2016

Oil Rig as Vessel under the Cabotage Act 2003 and the Cabotage Amendment Bill 2016

Over the years, the Nigerian maritime industry has witnessed the uncontrolled and illegal participation of foreign shipowners which has been detrimental to the industry. This position necessitated the enactment of the Coastal and Inland Shipping (Cabotage) Act in 2003.
The Cabotage Act was enacted to restrict the participation of foreign vessels in the Nigerian Coastal Trade, to promote the development of local tonnage, to establish a Cabotage Vessel Financing Fund and to build human capacity.
However, it is unfortunate that the Cabotage Act has not produced the desired effect considering that it is bedevilled with various shortcomings. One of such shortcomings is the failure of the Act to expressly include an oil rig as one of the vessels to be subject to the operation of the Act. This position has generated a lot of controversies which appears to have been taken advantage of by foreign shipowners.
Nigeria as a Maritime Nation stands the chance of losing about $2,000,000,000($2 Billion Dollars) of revenue through taxes and rates that oil rigs and drilling operations are charged if steps are not taken in the right direction.
Presently, there is a Bill pending before the National Assembly which has the aim of amending the Cabotage Act. This Article seeks to focus mainly on the Bill to Amend the Cabotage Act with emphasis on Section 13 (definition section) of the Bill to Amend the Act.

THE
CABOTAGE ACT 2003

The Cabotage Act 2003 was enacted with the aim of enhancing the participation of indigenous shipowners in the domestic coastal trade and restricting the use of foreign vessels engaging in the domestic carriage of goods and passengers within Nigerian coastal waters.
In seeking to enhance the promotion and development of indigenous tonnage in Nigeria’s cabotage trade, sections 3 6 of the Act provides that only vessels that are wholly built in
Nigeria, wholly owned by Nigerian, wholly crewed by Nigerians and registered in Nigeria can engage in cabotage trade.
However, sections 15 20 of the Act stipulates that foreign vessels may be permitted to participate in cabotage trade if the necessary application for a restricted license and waiver has been made to the relevant authority and approved. Section 30 of the Act empowers NIMASA to enforce and implement the provisions of the Act.
The Cabotage Act with all its positive intent and purposes has so far not achieved its objectives due to various drawbacks in the provisions of the Act. One of such drawbacks is represented by the position in which the Act failed to expressly include an oil rig/platform as one of the vessels specifically falling under the operation of the Act.
This drawback has generated controversy and foreign shipowners have in recent times contested that oil rigs cannot be considered as vessels falling within the operation of the Act which is presently the subject of litigation.

DRAWBACK
OF CABOTAGE ACT – FAILURE TO EXPRESSLY CLASSIFY OIL RIG AS A VESSEL

Section 2 of the Cabotage Act defined a vessel to include;any description of vessel, ship, boat, hovercraft or craft, including air cushion vehicles and dynamically supported craft, designed, used or capable of being used solely or partly for marine navigation and used for the carriage on, through or under water of persons or property without regard to method or lack of propulsion
It is of importance to note that section 2 of the Act as quoted above, did not expressly define a vessel as a specific thing. Rather, it simply identified certain requirements for determining what could be regarded as a vessel for the purposes of the Act.
Interestingly, foreign shipowners are aware of the failure of the Act to classify a particular thing as a vessel and have advanced this position for arguing that an oil rig is not a vessel under the Act.
oil rig 2
However, it is posited that the argument of foreign shipowners cannot be sustained. This is because close scrutiny of section 2 of the Act reveals that a crucial requirement for determining that a thing can be regarded as a vessel under the Act is that such a thing must have been described as a vessel.
In other words, any available description of a thing as a vessel will render such a thing to be recognized as a vessel under the Act.
Given this position, it is important to identify those laws that have expressly described an oil rig as a vessel which provides a premise for arguing that oil rigs are subject to the operation of the Act.

LEGISLATION
CLASSIFYING OIL RIGS AS VESSELS

It is of importance to note here that there are local legislation that expressly described an oil rig as a vessel/ship. They are outlined below:

The
MERCHANT SHIPPING ACT (MSA) 2007 

The MSA 2007 expressly included oil rig/platform in its definition of a vessel. Section 337 of the Act provides that a “vessel” meansany ship, craft, machine, rig or platform whether capable of navigation or not which is involved in a collision”.

ADMIRALTY
JURISDICTION ACT (AJA) 2004:

  • The AJA 2004 defines a Ship to mean “a vessel of any kind used or constructed for use in Navigation by water, however it is propelled or moved and includes; A barge, lighter or floating vessel, including a drilling rig, a hovercraft, an offshore industry mobile unit, and a vessel that has sunk or is stranded and the remains of such vessel, but does not include a vessel under construction that has not been launched. 
THE
NIGERIAN MARITIME ADMINISTRATION AND SAFETY (NIMASA) ACT 2007:

  • The NIMASA Act 2007, expressly described an oil rig as a vessel. Section 64 of the Act provides that a “vessel “ means “any kind of vessel that is used, or capable of being used, in navigation by water, however propelled or moved, and includes: a barge, lighter, floating platforms, restaurant or other floating vessel; and an air-collusion vehicle; or other similar craft that is used in navigation by water.
It must be noted that Nigeria is not a standalone jurisdiction in describing an oil rig as a vessel as it appears that other maritime countries have also described an oil rig as a vessel. Reference is made below to some maritime countries that have expressly described an oil rig as a vessel.

INTERNATIONAL
PRACTICES

In the Netherlands, a ‘ships’ or “vessel” is defined as “all objects which, according to their construction, are destined to float and which float or have done so”. This means that all floating offshore structures (including oil rigs) are registered in the Netherlands and fall within Coastal trade.
In the United States of America, under the Jones Act, the following are classified as vessels: ocean-going ships, Tug boats, barges, dredgers, pile drivers, commercial fishing boats, offshore oil platform service boats, oil drilling rigs, Jack-up rigs, Semi-submersible rigs, Drilling ships, Tension leg platforms, and other types of maritime craft. This list practically covers all forms of structure.
In the case of Offshore Co. v. Robison, 266 F.2d 769 (5th Cir. 1959) it was held that a mobile drilling platform was a vessel and that “vessel” had a “wide range of meaning”.
In the United Kingdom, The Merchant Shipping Act defines a ship “to include every description of vessel used in Navigation”. There is no specific type of vessel mentioned, thus covers all forms of structures. The author of Admiralty & Maritime Law (4th ed. 2004) further buttress this fact by stating emphatically that virtually every type of movable rig or structure qualified for vessel status.
oil rig 3
Having established that the description of an oil rig as a vessel is not peculiar to Nigeria but is prevalent in other maritime countries, it is pertinent to consider the position of the Nigerian courts on the matter.



CURRENT
CASE LAW ON OIL RIG AS A VESSEL UNDER THE CABOTAGE ACT

The controversy regarding whether an oil rig is to be regarded as a vessel and subject to the operation of the Cabotage Act has been the subject of judicial consideration.
In the case of Noble Drilling (Nigeria) Limited v The Nigerian Maritime Administration and Safety Agency (“NIMASA”) and The Minister of Transportation, the Federal High Court was presented with the opportunity of determining whether an oil rig could be regarded as a vessel for the purpose of the Cabotage Act.
The Plaintiff, Noble Drilling (Nigeria) Limited, argued territorial waters (drilling operations) did not amount to defined under the Cabotage Act.
The Defendants, (Nigerian Maritime and Safety Administration (NIMASA) and the Minister of Transportation) argued that because drilling rigs carry oil and other substances from the sea bed to the surface, they are regarded vessels within the contemplation of Section 2 of the Cabotage Act. They argued further that the definition of the word “ship” or “vessel” includes a drilling rig under the Act thereby rendering the use of a drilling rig within the Nigerian Coastal Waters subject to the operation of the Cabotage Act.
However, the Court held that the definition of the word “vessel” in the Cabotage Act did not include an Oil rig by laying emphasis on the fact that oil/drilling rigs were not expressly mentioned in the Act as one of the vessels to be subject to the Cabotage Act.
It is respectfully submitted that the position of the Honourable Court is flawed upon the premise that while the Cabotage Act failed to expressly include an oil rig as a vessel to be subject to the operation of the Act, the list of vessels expressly identified in the Act to be subject to the operation of the Act is neither exhaustive nor a closed list.
Oil rig
It is important to note that the case is presently on appeal and it will be interesting to see the decision which the appellate court will arrive at in its determination of the appeal.
In any event, it is crucial to note that the failure of the Cabotage Act in expressly classifying an oil rig as a vessel appears to have been addressed in the recent Cabotage Amendment Bill presently undergoing consideration at the House of Assembly.
A brief consideration of the Bill is undertaken below:

CABOTAGE
AMENDMENT BILL – REMEDYING OIL RIG DEFINITION DRAWBACK

The Cabotage Amendment Bill seeks to make certain amendments to the Cabotage Act. A notable amendment sought to be made to the Act is in respect of expressly classifying an oil rig as a vessel to be subject to the operation of the Act. This amendment will deal with the existing controversies concerning whether oil rigs are to be regarded as vessels and subject to the Cabotage Act.   Section 13 of the Bill provides that:
Vessel” includes any description of vessel, ship, boat hovercraft or craft, including air cushion vehicles and dynamically supported craft, designed, used or capable of being used solely or partly for marine navigation and used for the carriage on, through or underwater of persons or property without regard to method or lack of propulsion and include rigs, floating, production, storage and offloading platforms (FPSOJ floating, storage and offloading platforms (FPSO);”
The importance of this section of the Bill cannot be overemphasized. The lack of inclusion of an Oil rig/platform as a vessel has resulted in a number of suits being instituted at the Federal High Court.
The failure of the Cabotage Act to expressly describe an oil rig as a vessel has also been used by foreign shipowners as an avenue for contesting the statutory powers of NIMASA to levy its statutory fees on oil rigs employed by these shipowners in their drilling operations.
Against this position, a number of shipowners trading within the Nigerian Coastal Waters are refusing to register their oil rigs as required by the NIMASA Act thus denying the Nigerian Government of the required taxes and rates.
Nigeria as a Maritime Nation now stands the chance of losing about $2,000,000,000 ($2 Billion Dollars) if this is not tackled promptly and accordingly.
The provision of Section 13 of the Cabotage Amendment Bill is therefore welcome as it provides a remedy to the existing drawback in the Cabotage Act represented by the failure to expressly describe an Oil rig/platform as a vessel.

CONCLUSION

The need to pass the Bill pending before the National Assembly cannot be overemphasized. The passing of the Bill will help generate lost revenue and further boost our maritime trade, and importantly, it will finally put an end to the controversy regarding whether an Oil rig/platform is to be regarded as falling within the operation of the Cabotage Act.
WRITTEN BY: 
CAROLINE TOKULAH-OSHOMA (Associate – Olisa Agbakoba Legal)
Email: caroline@oal.law
Source – OAL Nigeria 

Banks as Collecting Agents For FIRS – A Conundrum | Ifeatu Medidem

Banks as Collecting Agents For FIRS – A Conundrum | Ifeatu Medidem

The Federal Inland Revenue Service has intensified its drive to recover outstanding tax liabilities from taxpayers in default of tax obligations. To this end, FIRS has been writing to taxpayers’ bankers, appointing the banks’ agent of the banks’ customer, to collect outstanding tax liabilities from the taxpayers’ bank account balance. This is referred to as tax substitution.
Banks and FIRSFIRS bases its appointment of the banks as collecting agents on the provisions of Section 49 of the Companies Income Tax Act 2004, and Section 31 of the Federal Inland Revenue Service (Establishment) Act 2007.
Section 31 of the Federal Inland Revenue Service (Establishment) Act 2007 provides:
  • The Service may by notice in writing appoint any person to be the agent of a taxable person if the circumstances provided in sub-section (2) of this section makes it expedient to do so.
  • The agent appointed under sub-section (1) of this section may be required to pay any tax payable by the taxable person from any money which may be held by the agent of the taxable person
  • Where the agent referred to in subsection (2) of this section defaults, the tax shall be recoverable from him.
  • For the purposes of this section, the Service may require any person to give information as to any money, fund or other assets which may be held by him for, or of any money due from him to, any person.
  • The provisions of this Act with respect to objections and appeals shall apply to any notice given under this section as if such notice were an assessment.”
Section 49 of the Companies and Income Tax Act, 2007 also empowers the FIRS to collect tax due from companies and appoint agents to collect tax due from companies, thus:
“The Board may by notice in writing appoint any person to be the agent of any company and the person so declared the agent shall be the agent of such company for the purposes of this Act, and may be required to pay any tax which is or will be payable by the company from any monies which may be held by him for or due by or to become due by him to the company whose agent he has been declared to be, and in default of such payment, the tax shall be recovered from him”.
Banks and FIRSTypically, FIRS instructs the bank to set aside an amount equivalent to the tax payer’s outstanding tax liability and remit same to FIRS. FIRS also directs that the bank place a restriction on the tax payer’s accounts and inform FIRS of any transaction on the tax payer’s account prior to execution on the accounts. The bank is also expected to release the tax payer’s bank statements and other financial records to FIRS.
The banks, probably concerned about compliance and cooperation with government agencies are quite swift to comply with the directives. Some valued customers are lucky to receive some notification, prior to the bank’s execution of FIRS’ directives; others, not so much.
Understandably, given how difficult it often is to recover outstanding debts from recalcitrant debtors, it may not be so surprising that FIRS devised this strategy. But the appointment of banks as collecting agents has stoked several fundamental issues in relation to the propriety or otherwise of the action. Chief of which, is the constitutionality of FIRS’ appointment of banks as collecting agents to collect and remit outstanding tax liabilities of taxpayers, without court orders. This is beside the conversation around the hardship that may be occasioned the taxpayer who has had its bank account restricted, particularly where it turns out that the restriction is unjustifiable.
However, a salient issue that seems to have eluded discussion is the query, “Is a bank legally enabled to act as collecting agent to collect outstanding tax liabilities from its customers’ bank account(s) on behalf of the FIRS?”
FIRS’ Appointment of A Bank As A Collecting Agent Imposes a Mandatory Responsibility
On a cursory reading of the provisions of Section 31(3) FIRS Establishment Act and Section 49 of the Companies Income Tax Act, it may appear that the provisions create an ordinary principal/agent relationship between FIRS and the appointed collecting agent. By principles of law, an agency relationship presumes a payment obligation between the principal and the agent. This is not the case with tax substitution, because the appointed/declared agent is the agent of the taxpayer and not FIRS.
The provisions of Section 31(3) of the Federal Inland Revenue Service (Establishment) Act 2007 and Section 49 of the Companies and Income Tax Act, 2007 impose a mandatory responsibility on the Bank appointed as collecting agent, rather than a commission earning activity. By these provisions, where the FIRS appointed Bank fails to remit the outstanding tax liability from the taxpayers’ funds in its custody, such bank would be personally liable to FIRS for the tax payer’s outstanding liability. This certainly places the banks between the devil and the deep blue sea.
Banks Owe A Duty Of Confidentiality/Secrecy To Their Customers With Some Exceptions
A pressing issue for concern, as to the propriety of the banks’ appointment as collecting agents for FIRS, is the unavoidable breach of a bank’s fiduciary duty to its customer. This issue has raised a lot of hue and cry, over FIRS’ appointment of banks as collecting agents over their customers’ outstanding tax liabilities.
Banks and FIRSA bank and its staff are obliged to keep secret, information regarding the business and account(s) of its customers. In Tournier v National Provincial and Union Bank of England, (1924) 1KB 461, Bankes LJ of the Court of Appeal of England held that confidentiality was an implied term in the customer’s contract and that any breach could give rise to liability in damages if loss results. As with every general rule, there are exceptions to the duty of the bank to keep secret, every information regarding the customer’s account(s). These exceptions are:
  1. Where the bank has a duty to the public to do so.
  2. Where the bank’s own interest requires disclosure: – This occurs for example, where legal proceedings are required to enforce the repayment of an overdraft or where a surety has to be told the extent to which his guarantee is being relied upon.
  3. Where the bank has the express or implied consent of its customer to do so: – where he supplies a reference to its customer or where it replies to a status inquiry from another bank.
  4. Where disclosure is required by law.
FIRS’ appointment of banks as collecting agents in respect of the bank’s customer’s outstanding tax liability, ostensibly falls under the exception (d) above; given the provisions of Section 31(3) FIRS Establishment Act and Section 49 of the Companies Income Tax Act.
Yet, the manner in which the banks typically respond, with swift compliance, undeniably raises issues of conflict of interest and breach of the bank’s fiduciary duty to its customer. The banks’ compliance with the directives imposed by the FIRS, against ‘tax defaulters’ (customers of the banks) involves a glaring breach of the duty.
A bank cannot perform the obligations of tax substitution, without impairing the confidential obligation it owes its customers. This confidentiality obligation is the pillar of banking.
Clearly, the banks, as collecting agents for FIRS, are conflicted, in that they are torn between complying with directives of FIRS, a government agency; and fulfilling their obligations to their customers.
There is however no positive law to safeguard the relationship between a bank and its customers. It is advisable that banks tread with caution, and take steps to secure their position.
Banks As Collecting Agents For FIRS – Possible Safeguards
In light of the foregoing, where a bank is faced with tax substitution directives from FIRS, the bank may rely on Section 31(5) FIRS Establishment Act to protect itself. The bank ought to take into consideration that as with all tax assessments and notices, a taxpayer has the right to object or appeal.
Banks rather than rushing to comply with FIRS’ directives, should ensure that adequate inquiries are made, to confirm that the notice in respect of a taxpayer relates to a tax liability that is final, due and outstanding.
Banks and FIRSA tax payer’s liability is payable when a taxpayer defaults in paying its tax liability on a tax assessment that is undisputed, either on the basis of a self-assessment or upon the tax payer’s specific agreement to FIRS’ assessment. Where an assessment is disputed, the tax liability is payable when the assessment has become final and conclusive. This may either be upon expiration of the statutory time for objection or payment, and the taxpayer fails to object to the assessment, or upon the determination by the Tax Appeal Tribunal or the Courts, in the absence of an appeal of the decision of the Tribunal or Court.
Final Word
Pending the interpretation of the Courts on the constitutionality of FIRS’ powers to appoint a tax payer’s banker as its agent to collect outstanding tax liabilities from the tax payer’s bank account, taxpayers are best advised to take steps to comply with statutory requirements to compute and remit their outstanding tax obligations. Where however the taxpayer has already had its bank accounts restricted under FIRS’ directives, it would be prudent to seek professional counsel to explore resolution mechanisms best suited to the peculiar circumstances.
FIRS’ appointment of banks as collecting agents in respect of the banks’ customers’ outstanding tax liability, places the banks in the precarious position of potentially impairing the confidentiality obligation owed to customers. Banks are also exposed to legal action, particularly where the tax liability is disputed. It is the writer’s view that a bank should consider all possible options to secure its position, in addressing the mandatory obligation imposed by FIRS’ appointment to act as collecting agents from its customer’s bank accounts.
The banks are also at liberty to test their appointment by FIRS, as collecting agents, pursuant to the provisions of the Federal Inland Revenue Service (Establishment) Act 2007 and Section 49 of the Companies and Income Tax Act, 2007. A determination by the Courts would certainly bring welcome development to our jurisprudence.
Besides, there is the danger of taking the now largely banked economy a few steps back. Individuals and business organizations may refuse to bank, for fear of having their funds subjected to seizure without recourse to them, or to avoid having their financial activities monitored, or to maintain their financial privacy.
Tax evasion is a criminal offence under the law. FIRS may choose to lay more emphasis on prosecuting offenders as a deterrent to intending tax evaders. It is quite commendable that FIRS is actively widening the tax net, particularly with the proposed imposition of 5% value-added tax on lottery and gambling activities.

Written by: Ifeatu Medidem
Senior Associate/Practice Manager
Olisa Agbakoba Legal

Health Tech In Nigeria: A Legal Perspective

Health Tech In Nigeria: A Legal Perspective

Health tech in Nigeria, just like the general healthcare sector, is in a precarious state. It is evident that the government’s healthcare plan is not only under-resourced but largely overwhelmed and incapable of meeting the needs of millions of people, not just in the urban areas, but also in the most remote parts of the country.
With more than 180 million people living in Nigeria, the opportunities abound for health tech entrepreneurs to invest, leave a significant footprint, make a social impact and a profit. This sounds like an entrepreneur’s utopia but the reality for emerging and established health tech entrepreneurs in Nigeria is that the health tech landscape has various obstacles such as lack of standardisation, regulatory gaps, underfunding as well as the problem of weak enforcement.  

Current
Regulatory Landscape of Health Tech in Nigeria

There is still no single legal framework for the regulation of health tech in Nigeria. Instead, there is a reliance on the guidance of the different traditional health care areas each having their own set of guidelines and regulations e.g. Medical and Dental Practitioners Act Cap M8, 2004, Pharmacists Council of Nigeria Act, National Health Act, 2014.

These pieces of legislation currently cover the orthodox health care service providers and represent the extant regulatory framework. However, as it preceded the advent of digital healthcare solutions it has extremely limited regulatory coverage over health tech service providers.

In some subsectors of health-tech in Nigeria, such as telepharmacy, entrepreneurs have lamented on the lack of a regulatory framework to address the nuances of the emerging industry. Having no clear cut guidelines on setting up cloud-based services, many health tech providers resort to reliance on the licenses for traditional health care e.g. a cloud-based pharmacy will rely on provisions for setting up a brick and mortar pharmacy.
According to TechCabal’s health tech report, the sector has been in existence since 2004  which makes it a relatively young industry in Nigeria. A gradual and slow acquiescence to novel solutions can take time to reflect in the national framework. As the technologies continue to develop at top speed, it is now the time more than ever for pioneer health tech providers to play an active part hand in hand with the regulators towards framing the policy guidelines for the health tech industry.

Health
Tech in Nigeria: What Entrepreneurs Should Keep in Mind

health-tech in NigeriaHealth tech entrepreneurs are required to obtain the regular licenses applicable to operate in any of the brick and mortar health sectors. Since there are a number of regulatory requirements for setting up, it is important for health tech providers to seek legal advice, even at the idea stage, to understand the best structure to incorporate. Setting up a business will require registration with the Corporate Affairs Commission (CAC) primarily with the entrepreneur demonstrating expertise and proof of proficiency in the area of business they are incorporating.
The following is a list of the licenses required by startups/entrepreneurs who intend to practice health tech in Nigeria:
  • Certificate of Incorporation with CAC;
  • Certificate of Proficiency for doctors, pharmacists, dentists and nurses;
  • Registration of Technology Transfer certificate of approval;
  • License to practice as a medical practitioner or health caregiver;
  • Nigerian business permit and License;
  • Practising license authorised by the Medical and Dental Council of Nigeria (MDCN);
  • Authorization by the Federal Ministry Of Health.
Entrepreneurs will also need to keep in mind existing laws regulating the unauthorised disclosure of patient records or hacking and unsecured records. In May 2018 the Consumer Protection Council (CPC) in collaboration with the Federal Ministry of Health launched the inaugural ‘Patients Bill of Rights’ (PBoR) to bridge this gap. The bill of rights is aimed at ensuring easy access to quality health care service in the country.
The PBoR is an aggregation of existing rights already contained in extant laws but reduced into a single set of rights to sensitize the members of the public. It gives patients receiving health care a set of 12 uncompromising rights which include: the right to information, right to fair treatment, right to privacy, right to receive urgent care, right to transparent billing among others.
Here is a link to a more detailed regulatory checklist for health tech entrepreneurs.

The
Future of Health Tech in Nigeria (Regulation)

health-tech in NigeriaAlthough there is a National Health ICT Strategic Framework document, which was created in 2015 and runs until 2020, it doesn’t adequately address the regulatory and policy gaps that exist in the health tech industry. The National Information Technology Development Agency (NITDA), the Ministry of Health and the Ministry of Communications have begun working with entrepreneurs to develop a policy document for health-tech in Nigeria. Entrepreneurs should pay attention to the National Health ICT Strategic Framework while they expect the regulatory and policy document to be launched and implemented.
In as much as our laws, particularly as it relates to the extant laws that abound in the healthcare industry, were made without the contemplation of technological disruption, there is nothing stopping us to rejig these laws to accommodate novelty inspired by technology. We just have to adopt what is possible, contextualize it and explore its offerings.

It is time to implement a robust regulatory and legal framework which encompasses the heath tech segment. An upheaval in the regulatory framework of the Nigerian Health sector is needed more than ever. Paying attention to frameworks that have been tried and tested in other jurisdictions, a model best suited for Nigeria which will encourage innovation without compromising the safety and quality standards is what we require to move forward.
This article was written as part of the TechCabal health tech content series.
Source – Olisa Agbakoba Legal