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.
Stafford is a city in the U.S. state of Texas within the Houston–Sugar Land–Baytown Metropolitan Area. Stafford is mostly in Fort Bend County with a small portion in Harris County. As of the 2000 U.S. Census, the city population was 15,681. The city has the only municipal school district in all of Texas. Stafford is served by the Houston Community College System and has a campus within the city. Stafford does not have a municipal property tax as of 1995 and the sales tax is 0.5% less than all of the surrounding cities. Even though it is known as a bedroom community of the greater Houston area, it is estimated that four times as many people work in Stafford on a week day, which is evidence of the large amount of commercial activity that helps the city financially. Many corporations both large and small including United Parcel Service, Texas Instruments, and Tyco all maintain significant operations in Stafford. As of 2008 the Mayor of Stafford is Leonard Scarcella, who was first elected in 1969 and has been a lifelong resident of the city.