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Title 12 Of The United States Code
Title 12 of the United States Code outlines the role of Banks and Banking in the United States Code. * : The Comptroller of the Currency * : National Banks * : Federal Reserve System * : Taxation * : Crimes And Offenses * : Foreign Banking * : Export-Import Bank of the United States * : Farm Credit Administration * : Agricultural Marketing * : Regional Agricultural Credit Corporations * : Adjustment and Cancellation of Farm Loans * : National Agricultural Credit Corporations * : Local Agricultural-Credit Corporations, Livestock-Loan Companies and Like Organizations; Loans to Individuals to Aid in Formation or to Increase Capital Stock * : Federal Home Loan Banks * : Federal Home Loan Mortgage Corporation * : Savings Associations * : National Housing * : Federal Credit Unions * : Federal Loan Agency * : Federal Deposit Insurance Corporation * : Bank Holding Companies * : Bank Service Companies * : Security Measures for Banks and Savings Associations * : Credit Control * : Financia ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bank
A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Banking in its modern sense evolved in the fourteenth century in the prosperous cities of Renaissance Italy but in many ways functioned as a continuation of ideas and concepts of credit and lending that had their roots in ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Right To Financial Privacy Act
The Right to Financial Privacy Act of 1978 (RFPA; codified at , ''et seq.'') is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches. Before the Act was passed, the United States government did not have to tell customers that it was accessing their records, and customers did not have the right to prevent such actions. The Act came about after the United States Supreme Court held, in '' United States v. Miller'' 425 U.S. 435 (1976), that financial records are the property of the financial institution with which they are held, rather than the property of the customer. Under the RFPA, the government must receive the consent of the customer before they can access said customer's financial information. The Act prescribes statutory damages of $100 per violation, and a number of different violations can be aggregat ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Cornell University
Cornell University is a private statutory land-grant research university based in Ithaca, New York. It is a member of the Ivy League. Founded in 1865 by Ezra Cornell and Andrew Dickson White, Cornell was founded with the intention to teach and make contributions in all fields of knowledge—from the classics to the sciences, and from the theoretical to the applied. These ideals, unconventional for the time, are captured in Cornell's founding principle, a popular 1868 quotation from founder Ezra Cornell: "I would found an institution where any person can find instruction in any study." Cornell is ranked among the top global universities. The university is organized into seven undergraduate colleges and seven graduate divisions at its main Ithaca campus, with each college and division defining its specific admission standards and academic programs in near autonomy. The university also administers three satellite campuses, two in New York City and one in Educatio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States Government Printing Office
The United States Government Publishing Office (USGPO or GPO; formerly the United States Government Printing Office) is an agency of the legislative branch of the United States Federal government. The office produces and distributes information products and services for all three branches of the Federal Government, including U.S. passports for the Department of State as well as the official publications of the Supreme Court, the Congress, the Executive Office of the President, executive departments, and independent agencies. An act of Congress changed the office's name to its current form in 2014. History The Government Printing Office was created by congressional joint resolution () on June 23, 1860. It began operations March 4, 1861, with 350 employees and reached a peak employment of 8,500 in 1972. The agency began transformation to computer technology in the 1980s; along with the gradual replacement of paper with electronic document distribution, this has led to a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Homeowners Protection Act Of 1998
Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its Contents insurance, contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as legal liability, liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside. Overview Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability insurance, liability coverage, with an indivisible premium, meaning that a single premium ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Housing And Community Development Act Of 1992
Housing and Community Development Act of 1992 was first introduced to the 102nd Congress on June 5, 1992, and was signed and made law by President George H. W. Bush on October 28, 1992. Also known as "The 1992 Act", the bill amended a number of housing, banking, and drug abuse laws. It amended The United States Housing Act of 1937. It increased aggregate budget authority for low-income housing for fiscal year 1993 and 1994. It also extends ceiling rents, excludes certain child care expenses, and excessive travel expenses from the calculation of adjusted income and apply to Indian public housing certain definitions of the Cranston-Gonzales National Affordable Housing Act; It allows the Secretary of Housing and Urban Development to issue public and Section 8 housing tenant preference rules. The Act also extends certain exemptions from waiting list requirements and eligibility restrictions with respect to income eligibility for assisted housing and while revising the family self-suf ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Government Sponsored Enterprise
A government-sponsored enterprise (GSE) is a type of financial services corporation created by the United States Congress. Their intended function is to enhance the flow of credit to targeted sectors of the economy, to make those segments of the capital market more efficient and transparent, and to reduce the risk to investors and other suppliers of capital. The desired effect of the GSEs is to enhance the availability and reduce the cost of credit to the targeted borrowing sectors primarily by reducing the risk of capital losses to investors: agriculture, home finance and education. Well known GSEs are the Federal National Mortgage Association, known as Fannie Mae, and the Federal Home Loan Mortgage Corporation, or Freddie Mac. Congress created the first GSE in 1916 with the creation of the Farm Credit System. It initiated GSEs in the home finance segment of the economy with the creation of the Federal Home Loan Banks in 1932; and it targeted education when it chartered Sallie ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Truth In Savings Act
The Truth in Savings Act (TISA) is a United States federal law that was passed on December 19, 1991. It was part of the larger Federal Deposit Insurance Corporation Improvement Act of 1991 and is implemented by Regulation DD. It established uniformity in the disclosure of terms and conditions regarding interest and fees when giving out information on or opening a new savings account. On passing this law, the US Congress noted that it would help promote economic stability, competition between depository institutions, and allow the consumer to make informed decisions. The Truth in Savings Act requires the clear and uniform disclosure of rates of interest ( annual percentage yield or APY) and the fees that are associated with the account so that the consumer is able to make a meaningful comparison between potential accounts. For example, a customer opening a certificate of deposit account must be provided with information about ladder rates (smaller interest rates with smaller deposi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Low-Income Housing Preservation And Resident Homeownership Act
Poverty is the state of having few material possessions or little income. Poverty can have diverse social, economic, and political causes and effects. When evaluating poverty in statistics or economics there are two main measures: '' absolute poverty'' compares income against the amount needed to meet basic personal needs, such as |
International Lending Supervision Act Of 1983
International is an adjective (also used as a noun) meaning "between nations". International may also refer to: Music Albums * ''International'' (Kevin Michael album), 2011 * ''International'' (New Order album), 2002 * ''International'' (The Three Degrees album), 1975 *''International'', 2018 album by L'Algérino Songs * The Internationale, the left-wing anthem * "International" (Chase & Status song), 2014 * "International", by Adventures in Stereo from ''Monomania'', 2000 * "International", by Brass Construction from ''Renegades'', 1984 * "International", by Thomas Leer from ''The Scale of Ten'', 1985 * "International", by Kevin Michael from ''International'' (Kevin Michael album), 2011 * "International", by McGuinness Flint from ''McGuinness Flint'', 1970 * "International", by Orchestral Manoeuvres in the Dark from '' Dazzle Ships'', 1983 * "International (Serious)", by Estelle from '' All of Me'', 2012 Politics * Political international, any transnational organizatio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Alternative Mortgage Transactions Parity Act Of 1982
The Alternative Mortgage Transaction Parity Act of 1982, also known as AMTPA, preempts state laws that restrict banks from making any mortgage except conventional fixed rate amortizing mortgages. AMTPA was contained in title VIII of the Garn–St. Germain Depository Institutions Act passed in 1982 Mortgages allowed by the act included: * Adjustable-rate mortgages, in which the interest rate becomes floating after a number of years. * Balloon payment mortgages have a large payment remaining when the loan comes due. * Interest-only mortgages only require the borrower to pay the interest on the principal balance for the first years of the loan.John BirgerHow Congress helped create the subprime mess, Fortune Magazine, January 31, 2008. The United States House of Representatives passed H.R.3915 "The Mortgage Reform and Anti-Predatory Lending Act of 2007" in November, 2007. It remains before the United States Senate. The House bill would require lenders to write mortgages that take int ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Solar Energy And Energy Conservation Bank Act
Solar may refer to: Astronomy * Of or relating to the Sun ** Solar telescope, a special purpose telescope used to observe the Sun ** A device that utilizes solar energy (e.g. "solar panels") ** Solar calendar, a calendar whose dates indicate the position of the Earth on its revolution around the Sun * Solar Maximum Mission, a satellite * SOLAR (ISS), an observatory on International Space Station Music * "Solar" (composition), attributed to Miles Davis * ''Solar'' (Red Garland album), 1962 * ''Solar'' (Taeyang album), 2010 * ''Solar'', a 2011 album by Rubik * "Solar", a song by Northlane from ''Mesmer'', 2017 * SOLAR Records, a record label Geography * Solar (Spanish term), a type of urban site * Solar, County Antrim, Northern Ireland, United Kingdom * Solar, Erode, India * Solar, Iran, Iran Companies * Solar Entertainment Corporation, a Philippines television and radio media company * Solar TV, a former TV channel * Solar Television Network, Inc., a former name of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
