Questions tagged [finance]

Questions involving fungible assets -- especially securities and loans (mortgages, debts, etc.).

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83 views

Are there truly legal limits on US interest rates?

I was puzzled when I recently watched an ad for Pay-Day-Loan (or the like) that in the disclaimer specifically mentioned that they didn't provide their service in New York due to legal limits on ...
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1answer
234 views

When does a mortgage rate bait and switch become fraud?

I'm currently in the process of buying a house. Once the price was negotiated and agreed upon, I solicited quotes from various mortgage brokers. One offered a lower rate than the others, so we picked ...
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1answer
124 views

Does the “general public” include business entities?

Specifically regarding securities laws in the United States, there is often terminology that says: ... must not be marketed to the general public... The definition of "marketed" I understand and ...
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71 views

Spouse hiding money

Can a lawyer request payslips from an employer? I am separated and my spouse is hiding money in a separate account in an attempt to pay less maintenance. Any advice? My location is South Africa. ...
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2answers
2k views

What are the legal consequences of disputing a legal credit card transaction?

Purely hypothetical question. Recently I rented a car from a company, let's call them Thrifty, the total cost for the trip was ~$150. Days later I got a bill for ~$70 in administrative charges for ...
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52 views

Are UK accounting laws compatible with South African accounting laws?

My mother is in South Africa. She has British Passport and would like to return to the UK. At present, she is a bookkeeper in South Africa but as I understand it, different countries have different ...
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2answers
122 views

How was the $200,000 minimum income for accredited investors decided?

The SEC has a rule that restricts the definition of an accredited investor to a person who has income in excess of $200,000. (6) Any natural person who had an individual income in excess of $200,...
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544 views

Internet banking regulations in the UK

I'm writing a report for some University coursework, in which I am supposed to analyse the security of an online bank. I'm trying, with some difficulty, to find any laws/regulations/standards that ...
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58 views

Can I resell diesel to a trucking company's fleet during a price hike?

Say I have a container of diesel which I purchased at a low rate and got a discount for a bulk purchase. Can I resell it to a trucking company's fleet of truckers at a competitive rate in a high-price ...
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29 views

What rights does a lender/loan purchaser lose by being negligent?

A lender wrote a mortgage on a house that was defaulted. The lender waited for several years before foreclosing, instead of acting, say, after 90 days. Shortly thereafter, the borrower declared ...
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1answer
86 views

Are “non performing” loans still “secured?”

Let's say a borrower lends most of the value of a house to a borrower. The lender does so because s/he can use the house as collateral for the loan. Suppose the borrower goes into default/nonpayment ...
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30 views

Specific law/regulation about annual report and other shareholder information disclosure in Canada

As I understand it, when you hold shares of a publicly traded company (or ETF) via a broker, the broker is obligated to forward you the relevant investor information from the company (e.g. annual ...
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1answer
747 views

Under what circumstances can a debt lien on real property be satisfied by foreclosure?

Under what circumstances can a debt lien on real property be satisfied by foreclosure? For example, let's imagine a debtor fails to pay a debt, say a car loan on a vehicle that is now missing or ...
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239 views

If a malicious website steals my credit card info, what happens?

Let's say I submit my credit card information to a website to purchase something. They give me a message saying the item will be delivered soon, and I don't notice anything wrong. Later I find out ...
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319 views

Why do VISA and MasterCard comply with U.S. sanctions that erode their business?

On what basis does the U.S. government prohibit American companies like VISA, MasterCard, PayPal, et al, from doing business on the Crimean Peninsula? Crimea is connected with, and backed by, the ...

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