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.
Sebastopol is a town in Sonoma County, California, United States, approximately 52 mi (80 km) north of San Francisco. The population was 7,774 at the 2000 census, but its businesses also serve surrounding rural portions of Sonoma County, totaling about 50,000 people. It is about a 20-minute drive from the Pacific Ocean, between Santa Rosa and Bodega Bay, and is known for its liberal politics and small-town charm. It was once primarily a plum and apple growing region; wine grapes, however, are now predominant, and nearly all lands once used for orchards are now vineyards. World-famous horticulturist Luther Burbank had gardens in this fertile region. The city hosts an annual Apple Blossom Festival and Gravenstein Apple Fair. Sebastopol is also the home of publisher O'Reilly Media, which publishes books on open-source software and other topics, and international camera bag manufacturer Lowepro Inc. Primus lead singer/bassist Les Claypool, singer/songwriter Tom Waits, singer/songwriter Nick Gravenites, and actor Peter Krause currently reside in the area. Sebastopol is home to Analy High School, Laguna High School, Brook Haven Middle School, Gravenstein Elementary School, Hillcrest Middle School, Twin Hills Middle School, Pine Crest Elementary, Apple Blossom Elementary, along with many other private and charter schools.