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.
Efland is an unincorporated community in Orange County, North Carolina, United States. Efland is most likely the next town in Orange County to become incorporated. The Efland Ruritan Club host most of the towns activities including an annual Rodeo, Lumberjack show, Tractor Pull, Car Show and HYAA youth baseball. The club began in 1981 with Ben Lloyd (former County Commissioner and Farmer) as its first President. Efland has two schools including Efland Elementary and Gravely Middle School.