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.
Moraga (incorprating the former communities of Moraga Town, Rheem, and Rheem Valley) is an affluent suburban incorporated town located in Contra Costa County, California, United States, in the San Francisco Bay Area. It is named in honor of Joaquin Moraga, whose grandfather was José Joaquin Moraga, second in command to Juan Bautista de Anza. As of the 2000 census, Moraga was the 79th wealthiest place in the US with a population above 10,000. It is also the home of Saint Mary's College of California, a Catholic university with 3,962 undergraduate and postgraduate students in the 2007-2008 schoolyear. The college was originally located in San Francisco and then Oakland, but moved to Moraga in 1928. As of 2000, Moraga had a total population of 16,290, not including the college.