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.
Santa Maria is a city in Santa Barbara County, on the Central Coast of California. Santa Maria's estimated population in November 2008 was 91,972 and has surpassed that of Santa Barbara, making it the largest city in the county. The estimated population of the area is about 161,227, which includes the Santa Maria Valley, the city of Guadalupe and the unincorporated township of Orcutt. The city is notable for its wine industry and Santa Maria Style Barbecue.