SEC MEMORANDUM CIRCULAR NO. 3 SERIES OF 2022 March 12, 2022 By Management SEC MEMORANDUM CIRCULAR NO. 3 SERIES OF 2022 SUBJECT TO IMPLEMENTATION OF BANGKO SENTRAL NG PILIPINAS CIRCULAR NO. 1133 SERIES OF 2021 ON THE CEILING/S ON INTEREST RATES AND OTHER COMPANIES, AND THEIR ONLINE LENDING PLATFORMS