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.
Ratcliff is an unincorporated community in Houston County in east Texas, United States. Founded in the early 1900s, Ratliff had a population of more than five thousand, with most working at a sawmill operated by the Louisiana and Texas Lumber Company. This Four C Mill used the 45-acre (180,000 m) lake that is the heart of Ratcliff Lake Recreation Area as its millpond. The recreation area is located within the Davy Crockett National Forest. Ratcliff is named for an early settler, J.H. Ratcliff, who operated a smaller sawmill, which cut the timber for the larger Four C Mill.