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.
Zarephath (pronounced ZARRA-fath) is an unincorporated area of Franklin Township in Somerset County, New Jersey, United States. It is the communal home to the Pillar of Fire Church and houses their Christian K-8 school (which closed in June 2009) and college, publishing facilities, farm and radio station WAWZ-FM. It is named after Zarephath, the place in the Bible where the "widow woman" sustained the prophet Elijah. Zarephath is a group of buildings located between the Delaware and Raritan Canal and the Millstone River.