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.
Stone Harbor is a borough in Cape May County, New Jersey, United States. It is part of the Ocean City Metropolitan Statistical Area. It shares the barrier island, Seven Mile Island with its northern neighbor Avalon. Development began in the late 19th century as a beach resort along a railroad line which has since been replaced by a traffic island along the length of Second Avenue. It continues as a resort community for visitors enjoying beaches and a thriving commercial center centered along 96th Street and 2nd Avenue, bringing in a summer population in excess of 20,000. As of the United States 2000 Census, the borough had a year-round population of 1,128. In 2006, Forbes magazine ranked Stone Harbor (08247) as #47 on its list of the most expensive zip codes in the United States, based on median home sale prices. As of 2001, Worth Magazine put Stone Harbor at #101 on its list of the Richest Towns in America, which was based on median annual real estate prices. Most vacationers come from New Jersey, Pennsylvania, New York, Connecticut, Maryland, Delaware, and Quebec. It was ranked the tenth best beach in New Jersey in the 2008 Top 10 Beaches Contest sponsored by the New Jersey Marine Sciences Consortium. Stone Harbor was incorporated as a borough by an Act of the New Jersey Legislature on April 3, 1914, from portions of Middle Township, based on the results of a referendum held on April 28, 1914. The borough gained a portion of Avalon on December 27, 1941.