Consumer Law
| Certificates of Deposit |
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| A certificate of deposit (CD) is a debt instrument issued by a bank or financial institution. In essence, the bank or financial institution borrows the investor's money for a specified period of time and, in exchange for the privilege of doing so, pays the investor interest at a set rate. More... |
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| The Safeguards Rule - FTC Recommendations Regarding Employee Management and Training |
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| The Safeguards Rule requires financial institutions to implement a security plan to protect customer information. The Safeguards Rule requires financial institutions to consider employee management and training in connection with the security plan. More... |
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| The Truth in Lending Act - Open-End Credit Disclosures |
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| When open-end credit is offered or extended, the Truth in Lending Act requires the creditor to disclose certain information before the first transaction takes place. The disclosures must be made clearly and conspicuously, in writing, and in a form the consumer can keep. More... |
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| Breach of Contract |
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| A breach of contract is a failure to perform a contractual obligation without legal justification or excuse. A party commits a "material breach" if he violates an important term of a contract in a fundamental way.
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| Securities Law-Alternative Investments |
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| Recently, the topic of alternative investments has received extensive coverage in the media. In fact, many full service brokerage firms now recommend that their clients include some type of alternative investments among the other investments in their portfolio. More... |
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