HAM vs DTB: Does a foreign lender to a Ugandan business require a licence? Expert lawyers point out the four errors made by court ENSAfrica’s Phillip Karugaba and Rachel Musoke are both highly rated lawyers by the IFLR1000 and the Chambers & Partners in all matters banking and by extension financial services. In this article co-authored with colleagues, Rehema Nakirya Ssemyalo and Anita Kenyangi, the ENSAfrica lawyers, point out the four errors made by court in the Hamis Kiggundu vs DTB Uganda and DTB Kenya ruling, saying this the ruling sets a dangerous precedent that may spark false hopes for defaulting borrowers, spawning off copycat litigation. They conclude by urging for an expediting appeal against the decision.