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.
Merced /mərˈsɛd/ is the county seat of Merced County, California in the San Joaquin Valley of Central California. As of 2007, the city had a total population of 80,608. Incorporated in 1889, Merced is a charter city that operates under a council-manager government. It is named after the Merced River, which flows nearby. Merced, known as the "Gateway to Yosemite", is less than two hours by car from Yosemite National Park to the east and to the west is Monterey Bay, the Pacific Ocean, and miles of beaches. The community is served by the rail passenger service Amtrak, a major airline through Merced Regional Airport, and three bus lines. It is approximately 110 miles from Sacramento, 130 miles from San Francisco, and 270 miles from Los Angeles. In 2005, the city became home to the tenth University of California campus, University of California, Merced (UCM), the first research university built in the U.S. in the 21st century.