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  • What are Negotiable Instruments?
    Have you ever wondered what law applies when you write a check or purchase a certificate of deposit (CD)? Checks and certificates of deposit are types of negotiable instruments. Articles 3 and 4 of the Uniform Commercial Code (UCC) have been enacted into law by every state and provide the rules for negotiable instruments. Negotiable Instruments Defined Negotiable instruments are … more
  • The Federal Reserve Board's New Credit Card Protections for the Consumer
    Are the days of unfair credit card practices over? While the credit card companies may mourn their passing, American consumers are seeking fair credit card practices that they can understand. In an effort to protect American consumers, the Federal Reserve Board enacted new rules in December 2008 that are set to go into effect on July 1, 2010.   The new rules are part of a … more
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