Banking & Finance Law involves individuals and businesses in transactions with federal and state-chartered financial institutions -- including issues related to bank accounts, negotiable instruments, loans, interest rates, regulatory compliance, taxes, and more. Banking and finance law applies to those individuals and institutions that lend or borrow money. Lenders typically include banks, leasing companies, finance companies and other financial institutions. Borrowers are individuals, corporations, institutions or the government.
Coloma (formerly, Colluma and Culloma) is a small unincorporated former town in El Dorado County, California, USA. It is approximately 36 miles (58 km) northeast of Sacramento, California. Coloma is most noted for being the site where James W. Marshall first discovered gold in California, at Sutter's Mill on January 24, 1848, leading to the California Gold Rush. Today it is known as a ghost town and the centerpiece of the Marshall Gold Discovery State Historic Park. Coloma was designated a National Historic Landmark District on July 4, 1961 It lies at an elevation of 764 feet (233 m).