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.
Roxana is a village in Madison County, Illinois, United States. The population was 1,547 at the 2000 census. A majority of the land in Roxana is taken up by the Wood River Conoco-Phillips oil refinery; the refinery was built and originally owned by Shell Oil and has also been owned by Premcor. As of December 2005, the Refinery refines 306,000 barrels of oil per day to produce gasoline, jet fuel, diesel, asphalt, propane and other products, and supplies part of the St. Louis region, Chicago, Indiana and Ohio. Roxana is considered to be part of the Riverbend or Metro East area, including Alton, East Alton, Godfrey, Rosewood Heights, Bethalto, Wood River, Hartford and South Roxana. Roxana is known for its smell, being located in the midst of four oil refineries. It is also well-known for its bright Christmas lights, lining Illinois Route 111, its main street, throughout the holiday season each year. The zip code for Roxana is 62084.