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.
Essex Junction is a village in the town of Essex in Chittenden County, Vermont, United States. The population was 8,591 at the 2000 census. It was incorporated on November 15, 1892. Essex Junction is home to the Champlain Valley Exposition which hosts the Champlain Valley Fair at the end of each summer. Amtrak, the national passenger rail system, provides daily service to Essex Junction, which serves as a focal point for rail travel in the greater Burlington area, which includes Essex and Winooski. Amtrak operates its Vermonter from St. Albans, VT to Washington, D.C.. The Village of Essex Junction is also one of three voting districts (District 6-2) in the Town of Essex, with Districts 6-1 & 6-3 together comprising the town outside the village. The Village and Town each operate their own fire department, library, parks department, and municipal services, and contain separate school districts for grades K–8. Both governments operate a unified police department, and the unified Essex High School. Essex Junction is home to IBM's Burlington Design Center and 200 mm wafer fabrication plant. IBM is the state's largest private employer, with approximately 6500 employees.