Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








> Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








> Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








> Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








> Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








> Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








> Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








Home
Staff
Research
Products & Services
Documents
Seminars
Minutes
Forum
Statutes
Contact
Links
Mail Room
Legal Fund Prospectus for Year 2000
Subscribe to ongoing research and e-mail updates.





Associations
Barter
Books
Communications
Educational
Electronics
Equipment
Financial
Meetings & Shows
Office Supplies
Paralegal
Professional
Travel
Miscellaneous








LAW Research
& Registry

Key Banking & Credit U.S.C. Sections With Regulation Listings

(Original, June 6, 1999)

The following United States Code sections relate primarily to Banking & Credit; brief information for each section is from the CD-ROM edition of the United States Code distributed by the Government Printing Office, 1996 edition. Following each of the section catchlines are the general application regulations for the section as listed in the Parallel Table of Authorities and Rules (Index volume of the Code of Federal Regulations). I've inserted notes for some sections and/or chapters and relating to some offices and entities. Notes and regulation cites are in Italics. Some Code sections, such as the Consumer Protection Act, include a listing of subsections as well as the major section catchline. Where there are implementing regulations for any given U.S.C. chapter, subchapter, and other major divisions, the general application regulations are listed ahead of the sections. In all cases, my insertions are in Italics. Some sections included in this compiled table of authorities relate to general enforcement and overlap into tax-related matters.

It is important to understand that the United States Code is not "law of the United States" as such; the U.S.C. is a classification system. Laws of the United States are published in the Statutes at Large following each session of Congress. And as often as not, one law does not stand alone. One authority rests on another. This is the reason the initial compilation of this table of authorities relating to banking and finance includes cites from ten titles. As it is expanded, it may include cites from more. Titles in the original include, Title 5, Government Organization and Employees; Title 11, Bankruptcy; Title 12, Banks and Banking; Title 15, Commerce and Trade; Title 18, Crimes and Criminal Procedure; Title 20, Education; Title 28, Judiciary and Judicial Procedure; Title 31, Money and Finance; Title 40, Public Buildings, Property, and Works; and Title 42, Public Health and Welfare.

Title 5 United States Code

-CITE-

5 USC Sec. 5502 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER I - GENERAL PROVISIONS

-HEAD-

Sec. 5502. Unauthorized office; prohibition on use of funds

REGULATIONS: None listed.

GENERAL REGULATIONS: For 5 U.S.C. 5504-5509, 32 CFR § 518.

-CITE-

5 USC Sec. 5509 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER I - GENERAL PROVISIONS

-HEAD-

Sec. 5509. Appropriations

-STATUTE-

There are authorized to be appropriated sums necessary to carry

out the provisions of this title.

REGULATIONS: None other than the general application regulations listed above.

GENERAL REGULATIONS: 5 U.S.C. 5511 & 5512, 32 CFR § 527.

-CITE-

5 USC Sec. 5511 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5511. Withholding pay; employees removed for cause

REGULATIONS: Only general regulations listed above.

-CITE-

5 USC Sec. 5512 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5512. Withholding pay; individuals in arrears

-STATUTE-

(a) The pay of an individual in arrears to the United States

shall be withheld until he has accounted for and paid into the

Treasury of the United States all sums for which he is liable.

(b) When pay is withheld under subsection (a) of this section,

the General Accounting Office, on request of the individual, his

agent, or his attorney, shall report immediately to the Attorney

General the balance due; and the Attorney General, within 60 days,

shall order suit to be commenced against the individual.

This section is essential to both tax and banking matters. See notes following the section in the U.S.C. The General Accounting Office is general agent of the treasury of the United States, effective with the Act of June 10, 1921. GAO must determine liability before a taxing authority or a bank may initiate civil action for collection of a debt. Where taxes are concerned, this section works in conjunction with 26 U.S.C. § 7401 and 31 U.S.C. § 3702 et seq.

REGULATION: 40 CFR § 13, as well as the general application regulation, 32 CFR § 527.

-CITE-

5 USC Sec. 5513 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5513. Withholding pay; credit disallowed or charge raised for

payment

-STATUTE-

When the General Accounting Office, on a statement of the account

of a disbursing or certifying official of the United States,

disallows credit or raises a charge for a payment to an individual

in or under an Executive agency otherwise entitled to pay, the pay

of the payee shall be withheld in whole or in part until full

reimbursement is made under regulations prescribed by the head of

the Executive agency from which the payee is entitled to receive

pay. This section does not repeal or modify existing statutes

relating to the collection of the indebtedness of an accountable,

certifying, or disbursing official.

REGULATION: None listed.

GENERAL APPLICATION REGULATIONS for 5 U.S.C. §§ 5514 et seq., 30 CFR § 870.

-CITE-

5 USC Sec. 5514 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5514. Installment deduction for indebtedness to the United

States

REGULATIONS: 5 CFR §§ 179, 550, 1210; 7 CFR § 3; 10 CFR § 16; 12 CFR §§ 608 & 1408; 13 CFR § 140; 15 CFR § 22; 17 CFR §§ 141, 204; 20 CFR § 361; 22 CFR §§ 34, 213, 309, 512 & 1007; 24 CFR § 17; 29 CFR §§ 20, 1450 & 1600; 31 CFR § 5; 32 CFR § 1697; 34 CFR § 31 & 32; 35 CFR § 256; 36 CFR § 705; 38 CFR § 1; 39 CFR § 961; 40 CFR § 13; 41 CFR §§ 105-56; 45 CFR § 30, 607, 708 & 1179; 47 CFR § 1; 49 CFR §§ 92 & 1017.

GENERAL REGULATIONS for 5 U.S.C. §§ 5516 & 4417 (withholding of state and local taxes), 31 CFR § 215.

-CITE-

5 USC Sec. 5517 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5517. Withholding State income taxes

REGULATIONS: Only general regulation listed above.

-CITE-

5 USC Sec. 5520 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5520. Withholding of city or county income or employment taxes

REGULATION: 31 CFR § 215.

-CITE-

5 USC Sec. 5520a 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER II - WITHHOLDING PAY

-HEAD-

Sec. 5520a. Garnishment of pay

This section works in conjunction with 5 U.S.C. § 5512, above, and 28 U.S.C. § 3205. Also, the following Executive Order governs garnishment (published following the section):

-EXEC-

EX. ORD. NO. 12897. GARNISHMENT OF FEDERAL EMPLOYEES' PAY

Ex. Ord. No. 12897, Feb. 3, 1994, 59 F.R. 5517, provided:

By the authority vested in me as President by the Constitution

and the laws of the United States of America, including section

5520a(j)(1)(A) of title 5, United States Code, as added by section

9 of Public Law 103-94, it is hereby ordered as follows:

Section 1. The Office of Personnel Management, in consultation

with the Attorney General, is designated to promulgate regulations

for the implementation of section 5520a of title 5, United States

Code, with respect to civilian employees and agencies in the

executive branch, except as provided in section 2 of this order.

Sec. 2. The Postmaster General is designated to promulgate

regulations for the implementation of section 5520a of title 5,

United States Code, with respect to employees of the United States

Postal Service. William J. Clinton.

REGULATIONS FOR THE SECTION: 5 CFR § 582; 32 CFR §§ 112 & 113; 39 CFR § 491; REGULATIONS FOR E.O. # 12897, % CFR § 582 & 39 CFR § 491.

-CITE-

5 USC Sec. 5521 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER III - ADVANCEMENT, ALLOTMENT, AND ASSIGNMENT OF PAY

-HEAD-

Sec. 5521. Definitions

-STATUTE-

For the purpose of this subchapter -

(1) ''agency'' means -

(A) an Executive agency;

(B) the judicial branch;

(C) the Library of Congress;

(D) the Government Printing Office; and

(E) the government of the District of Columbia;

(2) ''employee'' means an individual employed in or under an

agency;

(3) ''head of each agency'' means -

(A) the Director of the Administrative Office of the United

States Courts with respect to the judicial branch; and

(B) the Mayor of the District of Columbia with respect to the

government of the District of Columbia; and

(4) ''United States'', when used in a geographical sense, means

the several States and the District of Columbia.

REGULATIONS: None listed.

-CITE-

5 USC Sec. 5527 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

PART III - EMPLOYEES

Subpart D - Pay and Allowances

CHAPTER 55 - PAY ADMINISTRATION

SUBCHAPTER III - ADVANCEMENT, ALLOTMENT, AND ASSIGNMENT OF PAY

-HEAD-

Sec. 5527. Regulations

-STATUTE-

(a) To the extent practicable in the public interest, the

President shall coordinate the policies and procedures of the

respective Executive agencies under this subchapter.

(b) The President, with respect to the Executive agencies, the

head of the agency concerned, with respect to the appropriate

agency outside the executive branch, and the District of Columbia

Council, with respect to the government of the District of

Columbia, shall prescribe and issue, or provide for the formulation

and issuance of, regulations necessary and appropriate to carry out

the provisions, accomplish the purposes, and govern the

administration of this subchapter.

(c) The head of each Executive agency may prescribe and issue

regulations, not inconsistent with the regulations of the President

issued under subsection (b) of this section, necessary and

appropriate to carry out his functions under this subchapter.

The following Executive Order implemented this section (published following this section):

EXEC-

EX. ORD. NO. 10982. ADMINISTRATION OF PROVISIONS OF CHAPTER

Ex. Ord. No. 10982, Dec. 25, 1961, 27 F.R. 3, as amended by Ex.

Ord. No. 12107, Dec. 28, 1978, 44 F.R. 1055; Ex. Ord. No. 12748,

Feb. 1, 1991, 56 F.R. 4521, provided:

By virtue of the authority vested in me by the act of September

26, 1961 (75 Stat. 662) (this subchapter) and by section 301 of

title 3 of the United States Code, and as President of the United

States, it is ordered as follows:

Section 1. As used in this order:

(a) The term ''the act'' means the act of September 26, 1961

(Public Law 87-304), 75 Stat. 662 (now this subchapter).

(b) The term ''Federal agency'' means any executive department of

the Government of the United States of America, any agency or

independent establishment in the executive branch of the

Government, and any corporation wholly owned or controlled by the

Government.

(c) The term ''foreign area'' means any area (including the Trust

Territory of the Pacific Islands) situated outside (1) the United

States (including the District of Columbia), (2) the Commonwealth

of Puerto Rico, (3) the Canal Zone, and (4) any territory or

possession of the United States.

Sec. 2. (a) Except as otherwise provided by section 2(b) and

section 3(c) of this order, the Secretary of State in respect of

civilian employees of Federal agencies who are located in foreign

areas immediately prior to an emergency evacuation, and the Office

of Personnel Management in respect of all other civilian employees

of Federal agencies, are hereby designated and empowered, without

the approval, ratification, or other action of the President, to

perform the functions conferred upon the President by section 3(a),

section 3(b), and section 6(a) of the act (sections 5523(a),

5523(b), and 5527(a) of this title).

(b) The Office of Personnel Management is hereby designated and

empowered to perform the functions conferred upon the President by

the provisions of section 5527 of title 5, United States Code, with

respect to allotments and assignments authorized by section 5525 of

title 5, United States Code, and advance payments to new appointees

authorized by section 5524a of title 5, United States Code, as

added by section 107(a) of the Federal Employees Pay Comparability

Act of 1990, as incorporated in section 529 of Public Law 101-509.

Sec. 3. The following regulations are hereby prescribed as

necessary and appropriate to carry out the provisions, accomplish

the purposes, and govern the administration of the act:

(a) To the maximum extent practicable, the Secretary of State,

the Office of Personnel Management, and the heads of other Federal

agencies shall exercise their authority under the act and this

order so that employees of different Federal agencies evacuated

from the same geographic area under the same general circumstances

may be treated uniformly.

(b) Advance payments of compensation, allowances, and

differentials, as authorized by section 2 of the act (section 5522

of this title), shall be held to the minimum period during which

the order for evacuation is anticipated to continue, and shall in

no event be made for a period of more than thirty days.

(c) It is hereby determined to be in the interest of the United

States that payments of monetary amounts as authorized by section 3

of the act (section 5523 of this title) to and for the account of

an employee whose evacuation is ordered and who is prevented from

performing the duties of his position, under the circumstances set

forth in section 3 of the act, should be extended beyond sixty days

for not more than one hundred and twenty additional days only upon

determination, pursuant to regulations of the head of the Federal

agency concerned, that such additional payments are reasonably

necessary to maintain a civilian staff available for performance of

duty. Such payments of monetary amounts under the authority of

section 3 of the act shall be terminated as of such dates as may be

determined by the Secretary of State or the Office of Personnel

Management, as appropriate, but not later than the date on which an

employee resumes his duties at the post from which he has been

evacuated or is assigned to another position.

Sec. 4. (a) The head of each Federal agency shall issue as soon

as practicable such regulations as may be necessary and appropriate

to carry out his functions under the act and this order.

(b) In order to coordinate the policies and procedures of the

executive branch of the Government, all regulations of any Federal

agency prepared for issuance under the provisions of section 6(c)

of the act (section 5527(c) of this title) and section 4(a) of this

order shall be submitted for prior approval to the Secretary of

State, or to the Office of Personnel Management, as may be

appropriate, under section 2 of this order. The Secretary of State

and the Office of Personnel Management shall review such

regulations for conformance with the purpose and intent of the act

and of the regulations contained in section 3 of this order. No

Federal agency shall make any payment under the provisions of the

act or this order until such regulations have been approved by the

Secretary of State, or the Office of Personnel Management, as

appropriate.

REGULATIONS: 5 CFR § 550 for the section & the Executive Order both.

-CITE-

5 USC APPENDIX - INSPECTOR GENERAL ACT OF 1978 Sec. 8D 01/16/96

-EXPCITE-

TITLE 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES

TITLE 5 - APPENDIX

INSPECTOR GENERAL ACT OF 1978

-HEAD-

Sec. 8D. Special provisions concerning the Department of the

Treasury

-STATUTE-

(a)(1) Notwithstanding the last two sentences of section 3(a),

the Inspector General shall be under the authority, direction, and

control of the Secretary of the Treasury with respect to audits or

investigations, or the issuance of subpenas, which require access

to sensitive information concerning -

This section gives the Inspector General and others access to returns, etc., where there are ongoing criminal investigations and the like. See Parallel Table of Authorities and Rules for implementing regulations.

Title 11 United States Code

-CITE-

11 USC Sec. 523 01/16/96

-EXPCITE-

TITLE 11 - BANKRUPTCY

CHAPTER 5 - CREDITORS, THE DEBTOR, AND THE ESTATE

SUBCHAPTER II - DEBTOR'S DUTIES AND BENEFITS

-HEAD-

Sec. 523. Exceptions to discharge

Regulations: None

Title 12 United States Code

GENERAL REGULATIONS for 12 U.S.C. §§ 21 & 22, 12 CFR § 25.

-CITE-

12 USC Sec. 21 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 21. Formation of national banking associations; incorporators;

articles of association

-STATUTE-

Associations for carrying on the business of banking under title

62 of the Revised Statutes may be formed by any number of natural

persons, not less in any case than five. They shall enter into

articles of association, which shall specify in general terms the

object for which the association is formed, and may contain any

other provisions, not inconsistent with law, which the association

may see fit to adopt for the regulation of its business and the

conduct of its affairs. These articles shall be signed by the

persons uniting to form the association, and a copy of them shall

be forwarded to the Comptroller of the Currency, to be filed and

preserved in his office.

-SOURCE-

(R.S. Sec. 5133.)

REGULATIONS: Only the general regulation listed above.

-CITE-

12 USC Sec. 22 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 22. Organization certificate

-STATUTE-

The persons uniting to form such an association shall, under

their hands, make an organization certificate, which shall

specifically state:

First. The name assumed by such association; which name shall

include the word ''national''.

Second. The place where its operations of discount and deposit

are to be carried on, designating the State, Territory, or

District, and the particular county and city, town, or village.

Third. The amount of capital stock and the number of shares into

which the same is to be divided.

Fourth. The names and places of residence of the shareholders and

the number of shares held by each of them.

Fifth. The fact that the certificate is made to enable such

persons to avail themselves of the advantages of title 62 of the

Revised Statutes.

REGULATION: No regulation other than the general regulation listed above.

-CITE-

12 USC Sec. 24 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 24. Corporate powers of associations

Corporate powers of national banking associations and other Federally chartered financial institutions are pretty well limited to providing basic financial services to those qualified to be association members, those qualified being officers and employees of Federal government and political subdivisions of the United States. Services including providing checking accounts and the like. The financial institutions must then apply to become Federal tax and loan depositaries (31 CFR § 202), and Treasury depositaries (31 CFR § 203). They may withhold and pay State and city taxes, in territories and insular possessions, when qualified under 31 U.S.C. § 215. In order to engage lending activity of any kind, they must apply to become Federal Home Loan Banks, commercial, consumer or agricultural lending banks, etc. When they do this, they are always operating as fiscal agent" of the United States, and/or, in the capacity of a mixed government-owned corporation. The "United States" is always principal of interest when Federally chartered financial institutions extend "credit" of the United States.

REGULATIONS: 12 CFR §§ 1, 2, 12, 23, 24, 250.

GENERAL REGULATION for 12 U.S.C. 26 & 27, 12 CFR § 25.

-CITE-

12 USC Sec. 27 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 27. Certificate of authority to commence banking

REGULATION: None other than 12 CFR § 25.

-CITE-

12 USC Sec. 29 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 29. Power to hold real property

This section authorizes national banks to own and hold only property necessary to conduct business.

REGULATION: 12 CFR § 7.

-CITE-

12 USC Sec. 35 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 35. Organization of State banks as national banking

This section authorizes only banks of territories and insular possessions of the United States to join the Federal Reserve, etc. It does not apply to banks in the Union of several States.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 37 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 37. Associations governed by chapter

-STATUTE-

The provisions of chapters 2, 3, and 4 of title 62 of the Revised

Statutes, which are expressed without restrictive words, as

applying to ''national banking associations,'' or to

''associations,'' apply to all associations organized to carry on

the business of banking under any Act of Congress.

This special definition, which applies solely to territories and insular possessions of the United States, is "Act of Congress". When this term appears, application of the Act is to the District of Columbia, Puerto Rico, etc., exclusive of the Union of several States. See application in Rule 54(c ), Federal Rules of Criminal Procedure.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 38 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 38. The National Bank Act

-STATUTE-

The Act entitled ''An Act to provide a national currency secured

by a pledge of United States bonds, and to provide for the

circulation and redemption thereof,'' approved June 3, 1864, shall

be known as ''The National Bank Act.''

-SOURCE-

(June 20, 1874, ch. 343, Sec. 1, 18 Stat. 123.)

REGULATIONS: No implementing regulations.

-CITE-

12 USC Sec. 42 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 42. Territorial application

-STATUTE-

The provisions of all Acts of Congress relating to national banks

shall apply in the several States, the District of Columbia, the

several Territories and possessions of the United States, and the

Commonwealth of Puerto Rico.

-SOURCE-

(Pub. L. 86-230, Sec. 14, Sept. 8, 1959, 73 Stat. 458.)

-COD-

CODIFICATION

Section is also set out in D.C. Code, Sec. 47-2508.

The above section is convoluted in that is uses the term, "several States", but it does not apply to the Union of several States. It applies to territories and insular possessions of the United States.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 43 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 2 - NATIONAL BANKS

SUBCHAPTER I - ORGANIZATION AND GENERAL PROVISIONS

-HEAD-

Sec. 43. Interpretations concerning preemption of certain State

laws

REGULATIONS: None listed.

-CITE-

12 USC Sec. 222 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 3 - FEDERAL RESERVE SYSTEM

SUBCHAPTER I - DEFINITIONS, ORGANIZATION, AND GENERAL PROVISIONS

-HEAD-

Sec. 222. Federal reserve districts; membership of national banks

Regulations: None

-CITE-

12 USC Sec. 1421 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1421. Short title

-STATUTE-

This chapter may be cited as the ''Federal Home Loan Bank Act.''

-SOURCE-

(July 22, 1932, ch. 522, Sec. 1, 47 Stat. 725.)

REGULATIONS: No implementing regulations listed.

-CITE-

12 USC Sec. 1422 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1422. Definitions

-STATUTE-

As used in this chapter -

(1) Board. - The term ''Board'' means the Federal Housing

Finance Board established under section 1422a of this title.

(2)(A) Bank. - The term ''Federal Home Loan Bank'' or ''Bank''

means a bank established under the authority of this chapter.

(B) Bank system. - The term ''Federal Home Loan Bank System''

means the Federal Home Loan Banks under the supervision of the

Board.

(3) The term ''State'' includes the District of Columbia, Guam,

Puerto Rico, and the Virgin Islands of the United States.

(4) The term ''member'' means any institution which has

subscribed for the stock of a Federal Home Loan Bank.

(5) The term ''home mortgage loan'' means a loan made by a

member upon the security of a home mortgage.

(6) The term ''home mortgage'' means a mortgage upon real

estate, in fee simple, or on a leasehold (1) under a lease for

not less than ninety-nine years which is renewable or (2) under a

lease having a period of not less than fifty years to run from

the date the mortgage was executed, upon which is located, or

which comprises or includes, one or more homes or other dwelling

units, all of which may be defined by the Board and shall

include, in addition to first mortgages, such classes of first

liens as are commonly given to secure advances on real estate by

institutions authorized under this chapter to become members,

under the laws of the State in which the real estate is located,

together with the credit instruments, if any, secured thereby.

(7) The term ''unpaid principal,'' when used in respect of a

loan secured by a home mortgage means the principal thereof less

the sum of (1) payments made on such principal, and (2) in cases

where shares or stock are pledged as security for the loan, the

payments made on such shares or stock plus earnings or dividends

apportioned or credited thereon.

(8) An ''amortized'' or ''installment'' home mortgage loan

shall, for the purposes of this chapter, be a home mortgage loan

to be repaid or liquidated in not less than eight years by means

of regular weekly, monthly, or quarterly payments made directly

in reduction of the debt or upon stock or shares pledged as

collateral for the repayment of such loan.

(9) Savings association. - The term ''savings association'' has

the meaning given to such term in section 1813 of this title.

(10) Chairperson. - The term ''Chairperson'' means the

Chairperson of the Board.

(11) Secretary. - The term ''Secretary'' means the Secretary of

Housing and Urban Development.

(12) Insured depository institution. - The term ''insured

depository institution'' means -

(A) an insured depository institution (as defined in section

1813 of this title), and

(B) except as used in sections 1441a and 1441b of this title,

an insured credit union (as defined in section 1752 of this

title).

The definition of "State" at (3) above is limited to classes. National Banking Associations can provide basic banking services for Indian tribes recognized by United States Government. There is no universal application in the Union of several States.

REGULATIONS: 12 CFR §§ 934.

-CITE-

12 USC Sec. 1422b 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1422b. Powers and duties

REGULATIONS: 12 CFR §§ 900, 902, 910, 912, 922, 931-934, 936, 941, 955.

-CITE-

12 USC Sec. 1423 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1423. Federal Home Loan Bank districts; number and boundaries;

establishment of Federal Home Loan Banks; names

-STATUTE-

As soon as practicable the Board shall divide the continental

United States, Puerto Rico, the Virgin Islands, Guam, and the

Territories of Alaska and Hawaii into not less than eight nor more

than twelve districts. Such districts shall be apportioned with

due regard to the convenience and customary course of business of

the institutions eligible to and likely to subscribe for stock of a

Federal Home Loan Bank to be formed under this chapter, but no such

district shall contain a fractional part of any State. The

districts thus created may be readjusted and new districts may from

time to time be created by the Board, not to exceed twelve in all.

Such districts shall be known as Federal Home Loan Bank districts

and may be designated by number. As soon as practicable the Board

shall establish, in each district, a Federal Home Loan Bank at such

city as may be designated by the Board. Its title shall include the

name of the city at which it is established.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 1424 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1424. Eligibility for membership

-STATUTE-

(a) Criteria for eligibility

(1) In general

Any building and loan association, savings and loan

association, cooperative bank, homestead association, insurance

company, savings bank, or any insured depository institution (as

defined in section 1422 of this title), shall be eligible to

become a member of a Federal Home Loan Bank if such institution -

(A) is duly organized under the laws of any State or of the

United States;

(B) is subject to inspection and regulation under the banking

laws, or under similar laws, of the State or of the United

States; and

(C) makes such home mortgage loans as, in the judgment of the

Board, are long-term loans (except that in the case of a

savings bank, this subparagraph applies only if, in the

judgment of the Board, its time deposits, as defined in section

461 of this title, warrant its making such loans).

(2) Qualified thrift lender

An insured depository institution that is not a member on

January 1, 1989, may become a member of a Federal Home Loan Bank

only if -

(A) the insured depository institution has at least 10

percent of its total assets in residential mortgage loans;

(B) the insured depository institution's financial condition

is such that advances may be safely made to such institution;

and

(C) the character of its management and its home-financing

policy are consistent with sound and economical home financing.

An insured depository institution commencing its initial business

operations after January 1, 1989, may become a member of a Federal

Home Loan Bank if it complies with regulations and orders

prescribed by the Board for the 10 percent asset requirement

(described in the preceding sentence) within one year after the

commencement of its operations.

(b) Location requirement

An institution eligible to become a member under this section may

become a member only of, or secure advances from, the Federal Home

Loan Bank of the district in which is located the institution's

principal place of business, or of the bank of a district adjoining

such district, if demanded by convenience and then only with the

approval of the Board.

(c) Inspection and regulation requirements

Notwithstanding the provisions of clause (2) of subsection (a) of

this section requiring inspection and regulation under law as a

condition with respect to eligibility for membership, any building

and loan association which would be eligible to become a member of

a Federal Home Loan Bank except for the fact that it is not subject

to inspection and regulation under the banking laws or similar laws

of the State in which such association is organized shall, upon

subjecting itself to such inspection and regulation as the Board

shall prescribe, be eligible to become a member.

REGULATION: 12 CFR § 933.

-CITE-

12 USC Sec. 1428 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1428. Examination of State laws, regulations, and procedures;

studies of values, etc.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 1429 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1429. Eligibility to secure advances

-STATUTE-

Any member of a Federal Home Loan Bank shall be entitled to apply

in writing for advances. Such application shall be in such form as

shall be required by the Federal Home Loan Bank with the approval

of the Board. Such Federal Home Loan Bank may at its discretion

deny any such application, or, subject to the approval of the

Board, may grant it on such conditions as the Federal Home Loan

Bank may prescribe.

REGULATIONS: 12 CFR §§ 935, 936.

-CITE-

12 USC Sec. 1430b 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1430b. Advances to nonmember mortgagee; terms and conditions

-STATUTE-

(a) In general

Each Federal Home Loan Bank is authorized to make advances to

nonmember mortgagees approved under title II of the National

Housing Act (12 U.S.C. 1707 et seq.). Such mortgagees must be

chartered institutions having succession and subject to the

inspection and supervision of some governmental agency, and whose

principal activity in the mortgage field must consist of lending

their own fundsÉ

REGULATIONS: 12 CFR § 935.

-CITE-

12 USC Sec. 1431 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1431. Powers and duties of banks

REGULATIONS: 12 CFR §§ 910, 912, 935, 941 & 943.

-CITE-

12 USC Sec. 1432 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1432. Incorporation of banks; corporate powers; housing

project loans

REGULATIONS: 12 CFR §§ 524 & 936.

-CITE-

12 USC Sec. 1434 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1434. Depositaries of public money; financial agents

-STATUTE-

When designated for that purpose by the Secretary of the

Treasury, each Federal Home Loan Bank shall be a depositary of

public money, except receipts from customs, under such regulations

as may be prescribed by said Secretary; and it may also be employed

as a financial agent of the Government; and it shall perform all

such reasonable duties as depositary of public money and financial

agent of the Government as may be required of it.

-SOURCE-

(July 22, 1932, ch. 522, Sec. 14, 47 Stat. 736.)

REGULATIONS: No implementing regulations listed.

-CITE-

12 USC Sec. 1435 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1435. Obligations as lawful investments; liability of United

States for debentures, etc., issued by banks

-STATUTE-

Obligations of the Federal Home Loan Banks issued with the

approval of the Board under this chapter shall be lawful

investments, and may be accepted as security, for all fiduciary,

trust, and public funds the investment or deposit of which shall be

under the authority or control of the United States or any officer

or officers thereof. The Federal reserve banks are authorized to

act as depositaries, custodians, and/or fiscal agents for Federal

Home Loan Banks in the general performance of their powers under

this chapter. All obligations of Federal Home Loan Banks shall

plainly state that such obligations are not obligations of the

United States and are not guaranteed by the United States.

-SOURCE-

(July 22, 1932, ch. 522, Sec. 15, 47 Stat. 736; Aug. 9, 1989, Pub.

L. 101-73, title VII, Sec. 701(b)(1), (3)(A), 103 Stat. 412.)

REGULATIONS: No implementing regulations.

-CITE-

12 USC Sec. 1436 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1436. Reserves and dividends; emergency suspensions of

requirements

REGULATIONS: No implementing regulations.

-CITE-

12 USC Sec. 1439a 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1439a. Deposits in special fund; availability for all purposes

of Federal Home Loan Bank Board and Federal Home Loan Bank

Administration

-STATUTE-

All moneys and funds heretofore deposited in the Treasury of the

United States under the last sentence of section 1439 (FOOTNOTE 1)

of this title (including unexpended balances of moneys appropriated

therefrom for administrative expenses), and hereafter all moneys

and funds which would, except for this provision, be so depositable

thereunder, shall be deposited with the Treasurer of the United

States in a special deposit account and shall be available,

retroactively as well as prospectively, for expenditure for all

purposes of the Federal Home Loan Bank Board and the Federal Home

Loan Bank Administration, subject to subsections (a) and (b) of

section 712a of title 15.

(FOOTNOTE 1) See References in Text note below.

REGULATIONS: No regulations listed.

-CITE-

12 USC Sec. 1441 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1441. Financing Corporation

-STATUTE-

(a) Establishment

Notwithstanding any other provision of law, the Federal Housing

Finance Board shall charter a corporation to be known as the

Financing CorporationÉ

REGULATIONS: 12 CFR §§ 327, 950 & 1626.

-CITE-

12 USC Sec. 1442 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1442. Member financial information

-STATUTE-

(a) In general

In order to enable the Federal Home Loan Banks to carry out the

provisions of this chapter, the Secretary of the Treasury, the

Comptroller of the Currency, the Chairman of the Board of Governors

of the Federal Reserve System, the Chairperson of the Federal

Deposit Insurance Corporation, the Chairperson of the National

Credit Union Administration, and the Director of the Office of

Thrift Supervision, upon request by any Federal Home Loan Bank -

(1) shall make available in confidence to any Federal Home Loan

Bank, such reports, records, or other information as may be

available, relating to the condition of any member of any Federal

Home Loan Bank or any institution with respect to which any such

Bank has had or contemplates having transactions under this

chapter; and

(2) may perform through their examiners or other employees or

agents, for the confidential use of the Federal Home Loan Bank,

examinations of institutions for which such agency is the

appropriate Federal banking regulatory agency.

In addition, the Comptroller of the Currency, the Chairman of the

Board of Governors of the Federal Reserve System, the Chairperson

of the National Credit Union Administration, and the Director of

the Office of Thrift Supervision shall make available to the Board

or any Federal Home Loan Bank the financial reports filed by

members of any Bank to enable the Board or a Bank to compile and

publish cost of funds indices or other financial or statistical

reports.

(b) Consent by members

Every member of a Federal Home Loan Bank shall, as a condition

precedent thereto, be deemed -

(1) to consent to such examinations as the Bank or the Board

may require for the purposes of this chapter;

(2) to agree that reports of examinations by local, State, or

Federal agencies or institutions may be furnished by such

authorities to the Bank or the Board upon request; and

(3) to agree to give the Bank or the Federal agency, upon

request, such information as they may need to compile and publish

cost of funds indices and to publish other reports or statistical

summaries pertaining to the activities of Bank members.

REGULATIONS: 12 CFR §§ 933 & 934.

-CITE-

12 USC Sec. 1443 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1443. Forms of bank stock and obligations

-STATUTE-

Any stock, debentures, bonds, notes, or other obligations issued

under the authority of this chapter may be issued in uncertificated

form, utilizing a book entry method, or in certificated form under

such rules, regulations, or guidelines as the Board of Directors of

the Federal Housing Finance Board may provide.

REGULATIONS: No implementing regulations.

-CITE-

12 USC Sec. 1444 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11 - FEDERAL HOME LOAN BANKS

-HEAD-

Sec. 1444. Eligibility to membership in banks

-STATUTE-

(a) Any organization organized under the laws of any State and

subject to inspection and regulation under the banking or similar

laws of such State shall be eligible to become a member under this

chapter if -

(1) it is organized solely for the purpose of supplying credit

to its members;

(2) its membership (A) is confined exclusively to building and

loan associations, savings and loan associations, cooperative

banks, and homestead associations; or (B) is confined exclusively

to savings banks; and

(3) of the institutions to which its membership is confined

which are organized within the State, its membership includes a

majority of such institutions.

(b) In all respects, but subject to such additional rules and

regulations as the Board may provide, any such organization shall

be a member for the purposes of this chapter.

-SOURCE-

(July 22, 1932, ch. 522, Sec. 24, 47 Stat. 739; Aug. 9, 1989, Pub.

L. 101-73, title VII, Sec. 701(b)(1), (3)(A), 103 Stat. 412.)

REGULATIONS: No implementing regulations.

-CITE-

12 USC Sec. 1451 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1451. Definitions

-STATUTE-

As used in this chapter -

(a) The term ''Board of Directors'' means the Board of Directors

of the Corporation.

(b) The term ''Corporation'' means the Federal Home Loan Mortgage

Corporation created by this chapter.

(c) The term ''law'' includes any law of the United States or of

any State (including any rule of law or of equity)É

REGULATION: 24 CFR § 81.

-CITE-

12 USC Sec. 1452 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1452. Federal Home Loan Mortgage Corporation

-STATUTE-

(a) Creation; Board of Directors; policies; principal office;

membership; term; vacancies

REGULATIONS: 24 CFR § 81.

-CITE-

12 USC Sec. 1453 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1453. Capitalization of Federal Home Loan Mortgage Corporation

-STATUTE-

(a) Common stock; issuance

The common stock of the Corporation shall consist of voting

common stock, which shall be issued to such holders in the manner

and amount, and subject to any limitations on concentration of

ownership, as may be established by the Corporation.

(b) Par value

The voting common stock shall have such par value and other

characteristics as the Corporation provides. The voting common

stock shall be vested with all voting rights, each share being

entitled to 1 vote. The free transferability of the voting common

stock at all times to any person, firm, corporation or other entity

shall not be restricted except that, as to the Corporation, it

shall be transferable only on the books of the Corporation.

REGULATIONS: 24 CFR § 81.

-CITE-

12 USC Sec. 1454 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1454. Purchase and sale of mortgages; residential mortgages;

conventional mortgages; terms and conditions of sale or other

disposition; authority to enter into, perform, and carry out

transactions

REGULATIONS: 24 CFR § 81.

-CITE-

12 USC Sec. 1455 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1455. Obligations and securities of the Corporation

REGULATIONS: 24 CFR § 81.

-CITE-

12 USC Sec. 1457 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1457. Prohibited activities; penalties for violations by

organizations, officers and members of organizations, and

individuals

REGULATIONS: 24 CFR § 81.

-CITE-

12 USC Sec. 1458 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 11A - FEDERAL HOME LOAN MORTGAGE CORPORATION

-HEAD-

Sec. 1458. Territorial applicability

-STATUTE-

Notwithstanding any other law, this chapter shall be applicable

to the several States, the District of Columbia, the Commonwealth

of Puerto Rico, and the territories and possessions of the United

States.

REGULATIONS: 24 CFR § 81.

GENERAL APPLICATION REGULATIONS: 12 U.S.C. §§ 1701-171z-18, 24 CFR § 200.

-CITE-

12 USC Sec. 1701 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 13 - NATIONAL HOUSING

-HEAD-

Sec. 1701. Short title

-STATUTE-

This chapter may be cited as the ''National Housing Act.''

-SOURCE-

(June 27, 1934, ch. 847, 48 Stat. 1246.)

Notes following this section account for nearly all original acts and amendments.

REGULATION: 24 CFR §§ 202a, 209 & 211.

-CITE-

12 USC Sec. 1701g-5 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 13 - NATIONAL HOUSING

-HEAD-

Sec. 1701g-5. Revolving fund in connection with liquidating

programs

-STATUTE-

There is established as of June 30, 1954, a revolving fund, and

the Secretary of Housing and Urban Development is authorized to

credit said fund with all moneys hereafter obtained or now held by

him or by any constituent agency of the Department of Housing and

Urban Development or any other official thereof, and to account

under said fund for all assets and liabilities, in connection with

(1) community facilities provided or assisted under title II of the

Lanham Act, as amended (42 U.S.C. 1531 et seq.), or under title III

of the Defense Housing and Community Facilities and Services Act of

1951, as amended (42 U.S.C. 1592 et seq.); (2) loans or advances

made pursuant to title V of the War Mobilization and Reconversion

Act of 1944 (58 Stat. 791), or the Act of October 13, 1949 (40

U.S.C. 451 et seq.); (3) functions transferred under Reorganization

Plan No. 23 of 1950, or authorized under sections 102, 102a, 102b,

and 102c of the Housing Act of 1948, as amended (12 U.S.C. 1701g to

1701g-3); (4) notes or other obligations purchased pursuant to the

Alaska Housing Act, as amended (48 U.S.C. 484(a)); (5) subsistence

homesteads and greentowns (Acts of June 29, 1936, 49 Stat. 2035,

and May 19, 1949, 63 Stat. 68); (6) public war housing under title

I of the Lanham Act, as amended (42 U.S.C. 1521 et seq.), and

defense housing under title III of the Defense Housing and

Community Facilities and Services Act of 1951, as amended (42

U.S.C. 1592 et seq.); and (7) veterans' re-use housing under title

V of the Lanham Act, as amended (42 U.S.C. 1571 et seq.): Provided,

That said fund shall be available for all necessary expenses

(including administrative expenses) in connection with the

liquidation of the programs carried out pursuant to the foregoing

provisions of law, including operation, maintenance, improvement,

or disposition of facilities, and for disbursements> 


Transfer interrupted!

itments against moneys herein authorized to be

credited to said fund, repayment of obligations to the Treasury,

and refinancing and refunding operations on existing loans:

Provided further, That any amount in said fund which is determined

to be in excess of requirements for the purposes hereof shall be

declared and paid as liquidating dividends to the Treasury not less

often than annually: Provided further, That after June 24, 1954, no

additional notes or obligations shall be purchased from funds

appropriated pursuant to the Alaska Housing Act, as amended (48

U.S.C. 484(d)), except for the furtherance or refinancing of an

existing loan: Provided further, That except for extensions, or

refinancing, of existing obligations the authority to issue

obligations to the Secretary of the Treasury under section 1(4) of

Reorganization Plan No. 23 of 1950, shall terminate on June 30,

1954.

-SOURCE-

(June 24, 1954, ch. 359, title II, Sec. 201, 68 Stat. 295.)

REGULATIONS: 24 CFR §§ 1 & 2.

-CITE-

12 USC Sec. 1701k 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 13 - NATIONAL HOUSING

-HEAD-

Sec. 1701k. Right to redeem property on which United States has

lien

-STATUTE-

The right to redeem provided for by section 2410(c) of title 28,

shall not arise in any case in which the subordinate lien or

interest of the United States derives from the issuance of

insurance under the National Housing Act, as amended (12 U.S.C.

1701 et seq.).

-SOURCE-

(Apr. 20, 1950, ch. 94, title V, Sec. 505, 64 Stat. 81; Sept. 2,

1958, Pub. L. 85-857, Sec. 13(q), 72 Stat. 1266.)

REGULATIONS: No regulations other than general regulations above.

-CITE-

12 USC Sec. 1701l-1 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 13 - NATIONAL HOUSING

-HEAD-

Sec. 1701l-1. Mortgage proceeds fraudulently misappropriated by

mortgagor; recovery of deficiency after foreclosure

-STATUTE-

The Secretary of Housing and Urban Development shall take action

to secure the payment of any deficiency after foreclosure on a

mortgage insured or assisted under Federal law where the Secretary

has reason to believe that the mortgage proceeds have been

fraudulently misappropriated by the mortgagor.

REGULATIONS: No implementing regulation other than general regulations listed above.

-CITE-

12 USC Sec. 1701m 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 13 - NATIONAL HOUSING

-HEAD-

Sec. 1701m. Credit and cancellation of notes transferred from

Reconstruction Finance Corporation; net loss computation

-STATUTE-

The Secretary of the Treasury is authorized and directed from

time to time to credit and cancel the note or notes of the Housing

and Home Finance Administrator executed and delivered in connection

with loans transferred from the Reconstruction Finance Corporation

to the Housing and Home Finance Agency pursuant to Reorganization

Plan Numbered 23 of 1950 (64 Stat. 1279), to the extent of the net

loss, as determined by the Secretary of the Treasury, sustained by

said Agency in the liquidation of defaulted loans. The net loss

shall be the sum of the unpaid principal and advances for care and

preservation of collateral, together with accrued and unpaid

interest on said principal and advances, and all expenses and costs

(other than those subject to administrative expense limitations) in

connection with the liquidation of defaulted loans, less the amount

actually realized by the Housing and Home Finance Agency on account

of such defaulted loans.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 1751 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 14 - FEDERAL CREDIT UNIONS

-HEAD-

Sec. 1751. Short title

-STATUTE-

This chapter may be cited as the ''Federal Credit Union Act''.

Regulation: 24 CFR § 202

-CITE-

12 USC Sec. 1757 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 14 - FEDERAL CREDIT UNIONS

SUBCHAPTER I - GENERAL PROVISIONS

-HEAD-

Sec. 1757. Powers

Regulations: 12 CFR §§ 700, 701, 703, 721, 741, 760.

ö

GENERAL APPLICATION REGULATIONS for 12 U.S.C. § 1811 et seq., 12 CFR § 343; §§ 1811-1831, 12 CFR §§ 324.

-CITE-

12 USC Sec. 1811 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1811. Federal Deposit Insurance Corporation

-STATUTE-

(a) Establishment of Corporation

There is hereby established a Federal Deposit Insurance

Corporation (hereinafter referred to as the ''Corporation'') which

shall insure, as hereinafter provided, the deposits of all banks

and savings associations which are entitled to the benefits of

insurance under this chapter, and which shall have the powers

hereinafter granted.

(b) Asset disposition division

(1) Establishment

The Corporation shall have a separate division of asset

disposition.

(2) Management

The division of asset disposition shall have an administrator

who shall be appointed by the Board of Directors.

(3) Responsibilities of division

The division of asset disposition shall carry out all of the

responsibilities of the Corporation under this chapter relating

to the liquidation of insured depository institutions and the

disposition of assets of such institutions.

Historical and statutory notes following this section are particularly enlightening. Those engaged in research should read them.

REGULATIONS: None other than general regulations listed above.

-CITE-

12 USC Sec. 1812 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1812. Management

REGULATIONS: No regulation other than general regulations listed above.

-CITE-

12 USC Sec. 1813 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1813. Definitions

These definitions are vitally important in determining territorial and other applications. Two important definitions are the term "state", at (a)(3), which designates operation and eligible state banks in territories and insular possessions of the United States, and "domestic branch" at (o), which limits application to the "geographical" United States, i.e., territories and insular possessions of the United States.

REGULATIONS: In addition to general application definitions listed above, 12 CFR §§ 303, 326, 328, 330, 346, 347, 509, 512, 513.

GENERAL REGULATIONS for 12 U.S.C. §§ 1814-1817, 12 CFR § 345.

-CITE-

12 USC Sec. 1814 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1814. Insured depository institutions

REGULATIONS: 12 CFR §§ 25, 208, 209, 563a.

-CITE-

12 USC Sec. 1815 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1815. Deposit insurance

In general, FDIC insures only "public money" deposits. Although the term isn't used in this section, it is elsewhere in the FDIC statutory applications, and is qualified for bank association members at 31 CFR §§ 202 & 203, relating to financial institutions as Federal Tax & Loan Depositaries and Treasury Depositaries. Only officers and employees of United States Government and political subdivisions of the United States are entitled to receive and use "public money".

REGULATIONS: For §§ 1815-1819, 12 CFR § 303; for §§ 1815-1816, 12 CFR § 325; for § 1815, 12 CFR §§ 308, 312, 326, 346.

-CITE-

12 USC Sec. 1818 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1818. Termination of status as insured depository institution

This section sets out provisions for voluntary and involuntary termination of status as insured depository institutions.

REGULATIONS: §§ 1816-1819, 12 CFR § 303, §§ 1817-1820, 12 CFR §§ 304 & 338; §§ 1817-1819, 12 CFR §§ 327 & 344; §§ 1817 & 1818, 12 CFR §§ 225 & 326; §§ 1818 & 1819, 12 CFR §§ 307, 323, 337, 353 & 362; § 1818, 12 CFR §§ 2, 3, 18-21, 24, 27, 211, 217, 263, 308, 325, 330, 333, 508; § 1818 note, 12 CFR § 13.

12 USC Sec. 1819 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1819. Corporate powers

REGULATIONS: In addition to those previously listed, for 12 U.S.C. §§ 1819 & 1820, 12 CFR § 330, 345 & 346; for § 1819, 5 CFR § 3202, 12 CFR §§ 309, 311, 312, 324-326, 328, 329, 331, 333, 336, 346, 349, 350, 352, 357 & 364.

-CITE-

12 USC Sec. 1821 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1821. Insurance Funds

This section is particularly important as it specifies that only deposits of "public money" are insured by FCIC. So far as individuals are concerned, only officers and employees of Federal government and political subdivisions of the United States are entitled to receive and use "public money". Particularly read regulations pertaining to Federal Tax and Loan Depositaries and Treasury Depositaries at 31 CFR §§ 202 & 203 to understand the role of banks and other Federally chartered financial institutions as "fiscal agents" of the United States. The relevant portion follows, at 12 U.S.C. § 1821(a)(2)(A):

(2)(A) Notwithstanding any limitation in this chapter or in any

other provision of law relating to the amount of deposit insurance

available for the account of any one depositor, in the case of a

depositor who is -

(i) an officer, employee, or agent of the United States having

official custody of public funds and lawfully investing or

depositing the same in time and savings deposits in an insured

depository institution;

(ii) an officer, employee, or agent of any State of the United

States, or of any county, municipality, or political subdivision

thereof having official custody of public funds and lawfully

investing or depositing the same in time and savings deposits in

an insured depository institution in such State;

(iii) an officer, employee, or agent of the District of

Columbia having official custody of public funds and lawfully

investing or depositing the same in time and savings deposits in

an insured depository institution in the District of Columbia;

(iv) an officer, employee, or agent of the Commonwealth of

Puerto Rico, of the Virgin Islands, of American Samoa, of the

Trust Territory of the Pacific Islands, or of Guam, or of any

county, municipality, or political subdivision thereof having

official custody of public funds and lawfully investing or

depositing the same in time and savings deposits in an insured

depository institution in the Commonwealth of Puerto Rico, the

Virgin Islands, American Samoa, the Trust Territory of the

Pacific Islands, or Guam, respectively; or

(v) an officer, employee, or agent of any Indian tribe (as

defined in section 1452(c) of title 25) or agency thereof having

official custody of tribal funds and lawfully investing or

depositing the same in time and savings deposits in an insured

depository institution;

such depositor shall, for the purpose of determining the amount of

insured deposits under this subsection, be deemed a depositor in

such custodial capacity separate and distinct from any other

officer, employee, or agent of the United States or any public unit

referred to in clause (ii), (iii), (iv), or (v) and the deposit of

any such depositor shall be insured in an amount not to exceed

$100,000 per account in an amount not to exceed $100,000 per

account. (FOOTNOTE 1)

(FOOTNOTE 1) So in original. The second occurrence of the

phrase ''in an amount not to exceed $100,000 per account'' probably

should not appear.

Regulations: 12 CFR §§ 4, 330, 360.

-CITE-

12 USC Sec. 1826 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1826. Forms of obligations; preparation by Secretary of the

Treasury

-STATUTE-

In order that the Corporation may be supplied with such forms of

notes, debentures, bonds, or other such obligations as it may need

for issuance under this chapter, the Secretary of the Treasury is

authorized to prepare such forms as shall be suitable and approved

by the Corporation, to be held in the Treasury subject to delivery,

upon order of the Corporation. The engraved plates, dies, bed

pieces, and other material executed in connection therewith shall

remain in the custody of the Secretary of the Treasury. The

Corporation shall reimburse the Secretary of the Treasury for any

expenses incurred in the preparation, custody, and delivery of such

notes, debentures, bonds, or other such obligations.

REGULATIONS: No regulations.

-CITE-

12 USC Sec. 1828 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1828. Regulations governing insured depository institutions

REGULATIONS: 12 CFR §§ 3, 25, 34, 228, 250, 262, 263, 303, 308, 325, 328, 329, 333, 337, 345, 347, 365, 545, 561, 563, 563a, 567, 575; ¦ 1828 note, 12 CFR §§ 3 & 325.

-CITE-

12 USC Sec. 1831a 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1831a. Activities of insured State banks

REGULATIONS: 12 CFR § 362.

-CITE-

12 USC Sec. 1831b 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1831b. Disclosures with respect to certain federally related

mortgage loans

-STATUTE-

(a) Identity of beneficiary interest as condition for a loan;

report to Corporation

No insured depository institution, insured branch of a foreign

bank, or mutual savings or cooperative bank which is not an insured

depository institution, shall make any federally related mortgage

loan to any agent, trustee, nominee, or other person acting in a

fiduciary capacity without the prior condition that the identity of

the person receiving the beneficial interest of such loan shall at

all times be revealed to the insured depository institution,

insured branch, or bank. At the request of the Corporation, the

insured depository institution, insured branch, or bank shall

report to the Corporation on the identity of such person and the

nature and amount of the loan, discount, or other extension of

credit.

(b) Enforcement; bank status

In addition to other available remedies, this section may be

enforced with respect to mutual savings and cooperative banks which

are not insured depository institutions in accordance with section

1818 of this title, and for such purpose such mutual savings and

cooperative banks shall be held and considered to be State

nonmember insured banks and the appropriate Federal agency with

respect to such mutual savings and cooperative banks shall be the

Federal Deposit Insurance Corporation.

REGULATIONS: No implementing regulations.

-CITE-

12 USC Sec. 1835a 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 16 - FEDERAL DEPOSIT INSURANCE CORPORATION

-HEAD-

Sec. 1835a. Prohibition against deposit production offices

Regulations: None

-CITE-

12 USC Sec. 1841 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 17 - BANK HOLDING COMPANIES

-HEAD-

Sec. 1841. Definitions

Regulations: 12 CFR § 211

General regulation relating to financial recordkeeping requirements: 12 U.S.C. §§ 1951-1959; 31 CFR § 103 (Treasury Depositaries)

-CITE-

12 USC Sec. 1953 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 21 - FINANCIAL RECORDKEEPING

-HEAD-

Sec. 1953. Recordkeeping and procedures

-STATUTE-

(a) Regulations

Where the Secretary determines that the maintenance of

appropriate records and procedures by any uninsured bank or

uninsured institution, or any person engaging in the business of

carrying on in the United States any of the functions referred to

in subsection (b) of this section, has a high degree of usefulness

in criminal, tax, or regulatory investigations or proceedings, he

may by regulation require such bank, institution, or person Ð

This section relates to private banks in the "United States" Ð the "geographical" United States, including the District of Columbia, Puerto Rico, etc. The Implementing regulation, 31 CFR § 103, relates to Treasury Depositaries (fiscal agents of the United States).

-CITE-

12 USC Sec. 2402 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 25 - NATIONAL COMMISSION ON ELECTRONIC FUND TRANSFERS

-HEAD-

Sec. 2402. Membership of Commission

Regulations: None

GENERAL APPLICATION REGULATIONS FOR REAL ESTATE SETTLEMENT PROCEDURES, 12 U.S.C. §§ 2601 et seq., 24 CFR § 3500.

-CITE-

12 USC Sec. 2601 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2601. Congressional findings and purpose

-CITE-

12 USC Sec. 2602 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2602. Definitions

-STATUTE-

For purposes of this chapter -

(1) the term ''federally related mortgage loan'' includes any

loan (other than temporary financing such as a construction loan)

which -

(A) is secured by a first or subordinate lien on residential

real property (including individual units of condominiums and

cooperatives) designed principally for the occupancy of from

one to four families, including any such secured loan, the

proceeds of which are used to prepay or pay off an existing

loan secured by the same property; and

(B)(i) is made in whole or in part by any lender the deposits

or accounts of which are insured by any agency of the Federal

Government, or is made in whole or in part by any lender which

is regulated by any agency of the Federal Government, or

(ii) is made in whole or in part, or insured, guaranteed,

supplemented, or assisted in any way, by the Secretary or any

other officer or agency of the Federal Government or under or

in connection with a housing or urban development program

administered by the Secretary or a housing or related program

administered by any other such officer or agency; or

(iii) is intended to be sold by the originating lender to the

Federal National Mortgage Association, the Government National

Mortgage Association, the Federal Home Loan Mortgage

Corporation, or a financial institution from which it is to be

purchased by the Federal Home Loan Mortgage Corporation; or

(iv) is made in whole or in part by any ''creditor'', as

defined in section 1602(f) of title 15, who makes or invests in

residential real estate loans aggregating more than $1,000,000

per year, except that for the purpose of this chapter, the term

''creditor'' does not include any agency or instrumentality of

any State;

(2) the term ''thing of value'' includes any payment, advance,

funds, loan, service, or other consideration;

(3) the term ''Settlement services'' includes any service

provided in connection with a real estate settlement including,

but not limited to, the following: title searches, title

examinations, the provision of title certificates, title

insurance, services rendered by an attorney, the preparation of

documents, property surveys, the rendering of credit reports or

appraisals, pest and fungus inspections, services rendered by a

real estate agent or broker, the origination of a federally

related mortgage loan (including, but not limited to, the taking

of loan applications, loan processing, and the underwriting and

funding of loans), and the handling of the processing, and

closing or settlement;

(4) the term ''title company'' means any institution which is

qualified to issue title insurance, directly or through its

agents, and also refers to any duly authorized agent of a title

company;

(5) the term ''person'' includes individuals, corporations,

associations, partnerships, and trusts;

(6) the term ''Secretary'' means the Secretary of Housing and

Urban Development;

(7) the term ''controlled business arrangement'' means an

arrangement in which (A) a person who is in a position to refer

business incident to or a part of a real estate settlement

service involving a federally related mortgage loan, or an

associate of such person, has either an affiliate relationship

with or a direct or beneficial ownership interest of more than 1

percent in a provider of settlement services; and (B) either of

such persons directly or indirectly refers such business to that

provider or affirmatively influences the selection of that

provider; and

(8) the term ''associate'' means one who has one or more of the

following relationships with a person in a position to refer

settlement business: (A) a spouse, parent, or child of such

person; (B) a corporation or business entity that controls, is

controlled by, or is under common control with such person; (C)

an employer, officer, director, partner, franchisor, or

franchisee of such person; or (D) anyone who has an agreement,

arrangement, or understanding, with such person, the purpose or

substantial effect of which is to enable the person in a position

to refer settlement business to benefit financially from the

referrals of such business.

REGULATIONS: General application regulation above is only regulation.

-CITE-

12 USC Sec. 2603 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2603. Uniform settlement statement

This section is key where home mortgages in particular are concerned as the documents used in closing generally do not comply with requirements of the prescribe Uniform Settlement Statement, they do not contain Privacy Act notices, and they do not comply with disclosure notices of the Paperwork Reduction Act. Congress specifically mandated Paperwork Reduction Act compliance.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 2605 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2605. Servicing of mortgage loans and administration of escrow

accounts

This section specifies particulars relating to disclosure for sale or transfer of loan servicing, etc.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 2606 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2606. Exempted transactions

-STATUTE-

This chapter does not apply to credit transactions involving

extensions of credit -

(1) primarily for business, commercial, or agricultural

purposes; or

(2) to government or governmental agencies or

instrumentalities.

REGULATIONS: There are no implementing regulations for this chapter, i.e., it cannot apply to the Union of several States.

-CITE-

12 USC Sec. 2608 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2608. Title companies; liability of seller

REGULATIONS: There are no implementing regulations, i.e., section does not have general application in the Union of several States. The general application regulation may govern this section.

-CITE-

12 USC Sec. 2609 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2609. Limitation on requirement of advance deposits in escrow

accounts

REGULATIONS: No implementing regulations except general application regulation.

-CITE-

12 USC Sec. 2610 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2610. Prohibition of fees for preparation of truth-in-lending,

uniform settlement, and escrow account statements

-STATUTE-

No fee shall be imposed or charge made upon any other person (as

a part of settlement costs or otherwise) by a lender in connection

with a federally related mortgage loan made by it (or a loan for

the purchase of a mobile home), or by a servicer (as the term is

defined under section 2605(i) of this title), for or on account of

the preparation and submission by such lender or servicer of the

statement or statements required (in connection with such loan) by

sections 2603 and 2609(c) of this title or by the Truth in Lending

Act (15 U.S.C. 1601 et seq.).

REGULATION: No special regulation listed.

-CITE-

12 USC Sec. 2611 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2611. Land parcel recordation system; establishment on

demonstration basis

-STATUTE-

The Secretary shall establish and place in operation on a

demonstration basis, in representative political subdivisions

(selected by him) in various areas of the United States, a model

system or systems for the recordation of land title information in

a manner and form calculated to facilitate and simplify land

transfers and mortgage transactions and reduce the cost thereof,

with a view to the possible development (utilizing the information

and experience gained under this section) of a nationally uniform

system of land parcel recordation.

REGULATION: No implementing regulation.

-CITE-

12 USC Sec. 2614 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2614. Jurisdiction of courts; limitations

-STATUTE-

Any action pursuant to the provisions of section 2607 or 2608 of

this title may be brought in the United States district court or in

any other court of competent jurisdiction, for the district in

which the property involved is located, or where the violation is

alleged to have occurred, within one year from the date of the

occurrence of the violation, except that actions brought by the

Secretary, the Attorney General of any State, or the insurance

commissioner of any State may be brought within 3 years from the

date of the occurrence of the violation.

Applicability restricted to territory and insular possessions of the United States is demonstrated by vesting jurisdiction in "United States district court..," as the United States District Court is a territorial count, defined in Balzac vs. Porto Rico (1922).

REGULATION: No implementing regulation.

-CITE-

12 USC Sec. 2615 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2615. Contracts and liens; validity

-STATUTE-

Nothing in this chapter shall affect the validity or

enforceability of any sale or contract for the sale of real

property or any loan, loan agreement, mortgage, or lien made or

arising in connection with a federally related mortgage loan.

REGULATION: No implementing regulation.

-CITE-

12 USC Sec. 2616 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2616. State laws unaffected; inconsistent Federal and State

provisions

-STATUTE-

This chapter does not annul, alter, or affect, or exempt any

person subject to the provisions of this chapter from complying

with, the laws of any State with respect to settlement practices,

except to the extent that those laws are inconsistent with any

provision of this chapter, and then only to the extent of the

inconsistency. The Secretary is authorized to determine whether

such inconsistencies exist. The Secretary may not determine that

any State law is inconsistent with any provision of this chapter if

the Secretary determines that such law gives greater protection to

the consumer. In making these determinations the Secretary shall

consult with the appropriate Federal agencies.

REGULATION: No implementing regulation.

-CITE-

12 USC Sec. 2617 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES

-HEAD-

Sec. 2617. Authority of Secretary

-STATUTE-

(a) The Secretary is authorized to prescribe such rules and

regulations, to make such interpretations, and to grant such

reasonable exemptions for classes of transactions, as may be

necessary to achieve the purposes of this chapter.

(b) No provision of this chapter or the laws of any State

imposing any liability shall apply to any act done or omitted in

good faith in conformity with any rule, regulation, or

interpretation thereof by the Secretary or the Attorney General,

notwithstanding that after such act or omission has occurred, such

rule, regulation, or interpretation is amended, rescinded, or

determined by judicial or other authority to be invalid for any

reason.

(c)(1) The Secretary may investigate any facts, conditions,

practices, or matters that may be deemed necessary or proper to aid

in the enforcement of the provisions of this chapter, in

prescribing of rules and regulations thereunder, or in securing

information to serve as a basis for recommending further

legislation concerning real estate settlement practices. To aid in

the investigations, the Secretary is authorized to hold such

hearings, administer such oaths, and require by subpena the

attendance and testimony of such witnesses and production of such

documents as the Secretary deems advisable.

(2) Any district court of the United States within the

jurisdiction of which an inquiry is carried on may, in the case of

contumacy or refusal to obey a subpena of the Secretary issued

under this section, issue an order requiring compliance therewith;

and any failure to obey such order of the court may be punished by

such court as a contempt thereof.

Here the term "court of the United States" is inclusive of Article III district courts of the United States, and territorial United States District Courts; see definition of courts of the United States at 28 U.S.C. § 610.

REGULATION: No separate regulation.

GENERAL APPLICATION REGULATIONS FOR HOME MORTGAGE DISCLOSURE REQUIREMENTS: 12 U.S.C. §§ 2801 et seq., 12 CFR § 228; §§ 2801-2810, 12 CFR § 203; §§ 2810 et seq., 12 CFR §§ 228, 543, 544, 546 & 562.

-CITE-

12 USC Sec. 2801 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 29 - HOME MORTGAGE DISCLOSURE

-HEAD-

Sec. 2801. Congressional findings and declaration of purpose

REGULATIONS: No separate regulations.

-CITE-

12 USC Sec. 2802 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 29 - HOME MORTGAGE DISCLOSURE

-HEAD-

Sec. 2802. Definitions

-STATUTE-

For purposes of this chapter -

(1) the term ''mortgage loan'' means a loan which is secured by

residential real property or a home improvement loan;

(2) the term ''depository institution'' -

(A) means -

(i) any bank (as defined in section 1813(a)(1) of this

title);

(ii) any savings association (as defined in section

1813(b)(1) of this title); and

(iii) any credit union,

which makes federally related mortgage loans as determined by

the Board; and

(B) includes any other lending institution (as defined in

paragraph (4)) other than any institution described in

subparagraph (A);

(3) the term ''completed application'' means an application in

which the creditor has received the information that is regularly

obtained in evaluating applications for the amount and type of

credit requested;

(4) the term ''other lending institutions'' means any person

engaged for profit in the business of mortgage lending;

(5) the term ''Board'' means the Board of Governors of the

Federal Reserve System; and

(6) the term ''Secretary'' means the Secretary of Housing and

Urban Development.

Of particular note, at subsection (3), stipulation that completed application "means an application in which the creditor has received the information that is regularly obtained..," is important as the applications must comply with Paperwork Reduction Act mandates. Where they don't the matter can be raised at any time as a complete bar against administrative and judicial remedies, per 5 CFR § 1320.6.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 2803 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 29 - HOME MORTGAGE DISCLOSURE

-HEAD-

Sec. 2803. Maintenance of records and public disclosure

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 2804 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 29 - HOME MORTGAGE DISCLOSURE

-HEAD-

Sec. 2804. Enforcement

-STATUTE-

(a) Regulations

The Board shall prescribe such regulations as may be necessary to

carry out the purposes of this chapter. These regulations may

contain such classifications, differentiations, or other

provisions, and may provide for such adjustments and exceptions for

any class of transactions, as in the judgment of the Board are

necessary and proper to effectuate the purposes of this chapter,

and prevent circumvention or evasion thereof, or to facilitate

compliance therewith.

(b) Powers of certain other agencies

Compliance with the requirements imposed under this chapter shall

be enforced under -

(1) section 1818 of this title, in the case of -

(A) national banks, and Federal branches and Federal agencies

of foreign banks, by the Office of the Comptroller of the

Currency;

(B) member banks of the Federal Reserve System (other than

national banks), branches and agencies of foreign banks (other

than Federal branches, Federal agencies, and insured State

branches of foreign banks), commercial lending companies owned

or controlled by foreign banks, and organizations operating

under section 25 or 25(a) (FOOTNOTE 1) of the Federal Reserve

Act (12 U.S.C. 601 et seq., 611 et seq.), by the Board; and

(FOOTNOTE 1) See References in Text note below.

(C) banks insured by the Federal Deposit Insurance

Corporation (other than members of the Federal Reserve System),

mutual savings banks as defined in section 1813(f) of this

title, insured State branches of foreign banks, and any other

depository institution not referred to in this paragraph or

paragraph (2) or (3) of this subsection, by the Board of

Directors of the Federal Deposit Insurance Corporation;

(2) section 1818 of this title, by the Director of the Office

of Thrift Supervision, in the case of a savings association the

deposits of which are insured by the Federal Deposit Insurance

Corporation;

(3) the Federal Credit Union Act (12 U.S.C. 1751 et seq.), by

the Administrator of the National Credit Union Administration

with respect to any credit union; and

(4) other lending institutions, by the Secretary of Housing and

Urban Development.

The terms used in paragraph (1) that are not defined in this

chapter or otherwise defined in section 1813(s) of this title shall

have the meaning given to them in section 3101 of this title.

(c) Violations of this chapter deemed violations of certain other

provisions

For the purpose of the exercise by any agency referred to in

subsection (b) of this section of its powers under any Act referred

to in that subsection, a violation of any requirement imposed under

this chapter shall be deemed to be a violation of a requirement

imposed under that Act. In addition to its powers under any

provision of law specifically referred to in subsection (b) of this

section, each of the agencies referred to in that subsection may

exercise, for the purpose of enforcing compliance with any

requirement imposed under this chapter, any other authority

conferred on it by law.

This section is important as it lists enforcement agencies.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 2805 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 29 - HOME MORTGAGE DISCLOSURE

-HEAD-

Sec. 2805. Relation to State laws

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 2810 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 29 - HOME MORTGAGE DISCLOSURE

-HEAD-

Sec. 2810. Disclosure by Secretary; commencement, scope, etc.

-STATUTE-

Beginning with data for calendar year 1980, the Secretary shall

make publicly available data in the Secretary's possession for each

mortgagee which is not otherwise subject to the requirements of

this chapter and which is not exempt pursuant to section 2805(b) of

this title (and for each mortgagee making mortgage loans exempted

under section 2803(g) of this title), with respect to mortgage

loans approved (or for which completed applications are received)

by the Secretary for insurance under title I or II of the National

Housing Act (12 U.S.C. 1702 et seq., 1707 et seq.). Such data to

be disclosed shall consist of data comparable to the data which

would be disclosed if such mortgagee were subject to the

requirements of section 2803 of this title. Disclosure statements

containing data for each such mortgagee for a primary metropolitan

statistical area, metropolitan statistical area, or consolidated

metropolitan statistical area that is not comprised of designated

primary metropolitan statistical areas shall, at a minimum, be

publicly available at the central depository of data established

pursuant to section 2803(f) of this title for such primary

metropolitan statistical area, metropolitan statistical area, or

consolidated metropolitan statistical area that is not comprised of

designated primary metropolitan statistical areas. The Secretary

shall also compile and make publicly available aggregate data for

such mortgagees by census tract, and tables indicating aggregate

lending patterns, in a manner comparable to the information

required to be made publicly available in accordance with section

2809 of this title.

The effective date of this section roughly corresponds with implementation of the Papaerwork Reduction Act.

REGULATIONS: No separate regulation.

GENERAL APPLICATION REGULATIONS for Financial Privacy Act: 12 U.S.C. §§ 3401 et seq., 29 CFR § 19; 31 CFR § 14; 32 CFR § 271, 286f, 294, 504; §§ 3401-3422, 12 CFR § 21 & 39 CFR § 233.

-CITE-

12 USC Sec. 3401 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3401. Definitions

-STATUTE-

For the purpose of this chapter, the term -

(1) ''financial institution'' means any office of a bank,

savings bank, card issuer as defined in section 1602(n) of title

15, industrial loan company, trust company, savings association,

building and loan, or homestead association (including

cooperative banks), credit union, or consumer finance

institution, located in any State or territory of the United

States, the District of Columbia, Puerto Rico, Guam, American

Samoa, or the Virgin Islands;

(2) ''financial record'' means an original of, a copy of, or

information known to have been derived from, any record held by a

financial institution pertaining to a customer's relationship

with the financial institution;

(3) ''Government authority'' means any agency or department of

the United States, or any officer, employee, or agent thereof;

(4) ''person'' means an individual or a partnership of five or

fewer individuals;

(5) ''customer'' means any person or authorized representative

of that person who utilized or is utilizing any service of a

financial institution, or for whom a financial institution is

acting or has acted as a fiduciary, in relation to an account

maintained in the person's name;

(6) ''holding company'' means -

(A) any bank holding company (as defined in section 1841 of

this title);

(B) any company described in section 1843(f)(1) of this

title; and

(C) any savings and loan holding company (as defined in the

Home Owners' Loan Act (12 U.S.C. 1461 et seq.));

(7) ''supervisory agency'' means with respect to any particular

financial institution, holding company, or any subsidiary of a

financial institution or holding company, any of the following

which has statutory authority to examine the financial condition,

business operations, or records or transactions of that

institution, holding company, or subsidiary -

(A) the Federal Deposit Insurance Corporation;

(B) Director, (FOOTNOTE 1) Office of Thrift Supervision;

(FOOTNOTE 1) So in original. Probably should be ''the

Director,''.

(C) the National Credit Union Administration;

(D) the Board of Governors of the Federal Reserve System;

(E) the Comptroller of the Currency;

(F) the Securities and Exchange Commission;

(G) the Secretary of the Treasury, with respect to the Bank

Secrecy Act (Public Law 91-508, title I) (12 U.S.C. 1951 et

seq.) and subchapter II of chapter 53 of title 31; or

(H) any State banking or securities department or agency; and

(8) ''law enforcement inquiry'' means a lawful investigation or

official proceeding inquiring into a violation of, or failure to

comply with, any criminal or civil statute or any regulation,

rule, or order issued pursuant thereto.

The definition at subsection (1) is inclusive, and is specifically territorial, i.e., territory and insular possessions subject to sovereignty to the United States under the territorial clause at Article IV § 3, paragraph 2 of the Constitution.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3402 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3402. Access to financial records by Government authorities

prohibited; exceptions

-STATUTE-

Except as provided by section 3403(c) or (d), 3413, or 3414 of

this title, no Government authority may have access to or obtain

copies of, or the information contained in the financial records of

any customer from a financial institution unless the financial

records are reasonably described and -

(1) such customer has authorized such disclosure in accordance

with section 3404 of this title;

(2) such financial records are disclosed in response to an

administrative subpena or summons which meets the requirements of

section 3405 of this title;

(3) such financial records are disclosed in response to a

search warrant which meets the requirements of section 3406 of

this title;

(4) such financial records are disclosed in response to a

judicial subpena which meets the requirements of section 3407 of

this title; or

(5) such financial records are disclosed in response to a

formal written request which meets the requirements of section

3408 of this title.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3403 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3403. Confidentiality of financial records

This section should be read and thoroughly understood.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3404 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3404. Customer authorizations

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3405 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3405. Administrative subpena and summons

-STATUTE-

A Government authority may obtain financial records under section

3402(2) of this title pursuant to an administrative subpena or

summons otherwise authorized by law only if -

(1) there is reason to believe that the records sought are

relevant to a legitimate law enforcement inquiry;

(2) a copy of the subpena or summons has been served upon the

customer or mailed to his last known address on or before the

date on which the subpena or summons was served on the financial

institution together with the following notice which shall state

with reasonable specificity the nature of the law enforcement

inquiry:

''Records or information concerning your transactions held by

the financial institution named in the attached subpena or

summons are being sought by this (agency or department) in

accordance with the Right to Financial Privacy Act of 1978 (12

U.S.C. 3401 et seq.) for the following purpose: If you desire

that such records or information not be made available, you must:

''1. Fill out the accompanying motion paper and sworn

statement or write one of your own, stating that you are the

customer whose records are being requested by the Government

and either giving the reasons you believe that the records are

not relevant to the legitimate law enforcement inquiry stated

in this notice or any other legal basis for objecting to the

release of the records.

''2. File the motion and statement by mailing or delivering

them to the clerk of any one of the following United States

district courts:

.

''3. Serve the Government authority requesting the records by

mailing or delivering a copy of your motion and statement to .

''4. Be prepared to come to court and present your position

in further detail.

''5. You do not need to have a lawyer, although you may wish

to employ one to represent you and protect your rights.

If you do not follow the above procedures, upon the expiration of

ten days from the date of service or fourteen days from the date

of mailing of this notice, the records or information requested

therein will be made available. These records may be transferred

to other Government authorities for legitimate law enforcement

inquiries, in which event you will be notified after the

transfer.''; and

(3) ten days have expired from the date of service of the

notice or fourteen days have expired from the date of mailing the

notice to the customer and within such time period the customer

has not filed a sworn statement and motion to quash in an

appropriate court, or the customer challenge provisions of

section 3410 of this title have been complied with.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3406 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3406. Search warrants

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3407 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3407. Judicial subpena

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3408 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3408. Formal written request

REGULATIONS: 28 CFR § 47.

-CITE-

12 USC Sec. 3409 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3409. Delayed notice

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3410 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3410. Customer challenges

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3410 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3410. Customer challenges

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3412 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3412. Use of information

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3413 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3413. Exceptions

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3414 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3414. Special procedures

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3415 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3415. Cost reimbursement

REGULATION: 12 CFR § 219.

-CITE-

12 USC Sec. 3416 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3416. Jurisdiction

-STATUTE-

An action to enforce any provision of this chapter may be brought

in any appropriate United States district court without regard to

the amount in controversy within three years from the date on which

the violation occurs or the date of discovery of such violation,

whichever is later.

Territorial application Ð the "United States district court" is a territorial court. See definition of courts of the United States at 28 U.S.C. § 610.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3417 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3417. Civil penalties

REGULATION: No separate implementing regulations.

-CITE-

12 USC Sec. 3418 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3418. Injunctive relief

-STATUTE-

In addition to any other remedy contained in this chapter,

injunctive relief shall be available to require that the procedures

of this chapter are complied with. In the event of any successful

action, costs together with reasonable attorney's fees as

determined by the court may be recovered.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3419 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3419. Suspension of limitations

-STATUTE-

If any individual files a motion or application under this

chapter which has the effect of delaying the access of a Government

authority to financial records pertaining to such individual, any

applicable statute of limitations shall be deemed to be tolled for

the period extending from the date such motion or application was

filed until the date upon which the motion or application is

decided.

REGULATIONSS: No separate regulations.

-CITE-

12 USC Sec. 3420 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3420. Grand jury information; notification of certain persons

prohibited

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3422 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 35 - RIGHT TO FINANCIAL PRIVACY

-HEAD-

Sec. 3422. Applicability to Securities and Exchange Commission

-STATUTE-

Except as provided in the Securities Exchange Act of 1934 (15

U.S.C. 78a et seq.), this chapter shall apply with respect to the

Securities and Exchange Commission.

REGULATIONS: No separate regulation.

GENERAL APPLICATION REGULATIONS for Multifamily Mortgage Foreclosure Act: 12 U.S.C. §§ 3701-3717, 24 CFR § 27.

-CITE-

12 USC Sec. 3701 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3701. Findings and purpose

-STATUTE-

(a) The Congress finds that -

(1) disparate State laws under which the Secretary of Housing

and Urban Development forecloses multifamily mortgages burden the

programs administered by the Secretary pursuant to these

authorities, and cause detriment to the residents of the affected

projects and the community generally;

(2) long periods to complete the foreclosure of these mortgages

under certain State laws lead to deterioration in the condition

of the properties involved; necessitate substantial Federal

management and holding expenditures; increase the risk of

vandalism, fire loss, depreciation, damage, and waste with

respect to the properties; and adversely affect the residents of

the projects and the neighborhoods in which the properties are

located;

(3) these conditions seriously impair the Secretary's ability

to protect the Federal financial interest in the affected

properties and frustrate attainment of the objectives of the

underlying Federal program authorities, as well as the national

housing goal of ''a decent home and a suitable living environment

for every American family'';

(4) application of State redemption periods to these mortgages

following their foreclosure would impair the salability of the

properties involved and discourage their rehabilitation and

improvement, thereby compounding the problems referred to in

clause (3);

(5) the availability of a uniform and more expeditious

procedure for the foreclosure of these mortgages by the Secretary

and continuation of the practice of not applying postsale

redemption periods to such mortgages will tend to ameliorate

these conditions; and

(6) providing the Secretary with a nonjudicial foreclosure

procedure will reduce unnecessary litigation by removing many

foreclosures from the courts where they contribute to overcrowded

calendars.

(b) The purpose of this chapter is to create a uniform Federal

foreclosure remedy for multifamily mortgages.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3702 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3702. Definitions

-STATUTE-

As used in this chapter -

(1) ''mortgage'' means a deed of trust, mortgage, deed to

secure debt, security agreement, or any other form of instrument

under which any interest in property, real, personal or mixed, or

any interest in property including leaseholds, life estates,

reversionary interests, and any other estates under applicable

State law, is conveyed in trust, mortgaged, encumbered, pledged,

or otherwise rendered subject to a lien, for the purpose of

securing the payment of money or the performance of an

obligation;

(2) ''multifamily mortgage'' means a mortgage held by the

Secretary pursuant to -

(A) section 608 or 801, or title II or X, of the National

Housing Act (12 U.S.C. 1743, 1748, 1707 et seq., 1749aa et

seq.);

(B) section 312 of the Housing Act of 1964 (42 U.S.C. 1452b),

as it existed immediately before its repeal by section 289 of

the Cranston-Gonzalez National Affordable Housing Act;

(C) section 202 of the Housing Act of 1959 (12 U.S.C. 1701q),

as it existed immediately before its amendment by section 801

of the Cranston-Gonzalez National Affordable Housing Act;

(D) section 202 of the Housing Act of 1959 (12 U.S.C. 1701q),

as amended by section 801 of the Cranston-Gonzalez National

Affordable Housing Act; and

(E) section 811 of the Cranston-Gonzalez National Affordable

Housing Act (42 U.S.C. 8013).

(3) ''mortgage agreement'' means the note or debt instrument

and the mortgage instrument, deed of trust instrument, trust

deed, or instrument or instruments creating the mortgage,

including any instrument incorporated by reference therein

(including any applicable regulatory agreement), and any

instrument or agreement amending or modifying any of the

foregoing;

(4) ''mortgagor'' means the obligor, grantor, or trustor named

in the mortgage agreement and, unless the context otherwise

indicates, includes the current owner of record of the security

property whether or not personally liable on the mortgage debt;

(5) ''person'' includes any individual, group of individuals,

association, partnership, corporation, or organization;

(6) ''record'' and ''recorded'' included ''register'' and

''registered'' in the instance of registered land;

(7) ''security property'' means the property, real, personal or

mixed, or an interest in property, including leaseholds, life

estate, reversionary interests, and any other estates under

applicable State law, together with fixtures and other interests

subject to the lien of the mortgage under applicable State law;

(8) ''State'' means the several States, the District of

Columbia, the Commonwealth of Puerto Rico, the territories and

possessions of the United States, and the Trust Territory of the

Pacific Islands, and Indian tribes as defined by the Secretary;

(9) ''county'' means county as defined in section 2 of title 1;

and

(10) ''Secretary'' means the Secretary of Housing and Urban

Development.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3704 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3704. Foreclosure commissioner; designation, duties, etc.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3705 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3705. Prerequisites to foreclosure

-STATUTE-

Foreclosure by the Secretary under this chapter of a multifamily

mortgage may be commenced, as provided in section 3707 of this

title, upon the breach of a covenant or condition in the mortgage

agreement for which foreclosure is authorized under the mortgage,

except that no such foreclosure may be commenced unless any

previously pending proceeding, judicial or nonjudicial, separately

instituted by the Secretary to foreclose the mortgage other than

under this chapter has been withdrawn, dismissed, or otherwise

terminated. No such separately instituted foreclosure proceeding

on the mortgage shall be instituted by the Secretary during the

pendency of foreclosure pursuant to this chapter. Nothing in this

chapter shall preclude the Secretary from enforcing any right,

other than foreclosure, under applicable State law, including any

right to obtain a monetary judgment. Nothing in this chapter shall

preclude the Secretary from foreclosing under this chapter where

the Secretary has obtained or is seeking any other remedy available

pursuant to Federal or State law or under the mortgage agreement,

including, but not limited to, the appointment of a receiver,

mortgagee-in-possession status, relief under an assignment of

rents, or transfer to a nonprofit entity pursuant to section 1701q

of this title or section 8013 of title 42.

Note that the Secretary must commence foreclosure. There is no authority for a bank to independently commence foreclosure.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3706 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3706. Notice of default and foreclosure sale; condition and

term of sale

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3707 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3707. Commencement of foreclosure; powers and duties of

foreclosure commissioner or substitute

-STATUTE-

(a) If the Secretary as holder of a multifamily mortgage

determines that the prerequisites to foreclosure set forth in

section 3705 of this title are satisfied, the Secretary may request

the foreclosure commissioner to commence foreclosure of the

mortgage. Upon such request, the foreclosure commissioner shall

commence foreclosure of the mortgage, by commencing service of a

notice of default and foreclosure sale in accordance with section

3708 of this title.

(b) Subsequent to commencement of a foreclosure under this

chapter, the Secretary may designate a substitute foreclosure

commissioner at any time up to forty-eight hours prior to the time

of foreclosure sale, and the foreclosure shall continue without

prejudice, unless the substitute commissioner, in his or her sole

discretion, finds that continuation of the foreclosure sale will

unfairly affect the interests of the mortgagor. In the event that

the substitute commissioner makes such a finding, the substitute

commissioner shall cancel the foreclosure sale, or adjourn such

sale in the manner provided in section 3710(c) of this title. Upon

designation of a substitute foreclosure commissioner, a copy of the

written notice of such designation referred to in section 3704 of

this title shall be served upon the persons set forth in section

3708(1) of this title (1) by mail as provided in such section 3708

of this title (except that the minimum time periods between mailing

and the date of foreclosure sale prescribed in such section shall

not apply to notice by mail pursuant to this subsection), or (2) in

any other manner, which in the substitute commissioner's sole

discretion, is conducive to achieving timely notice of such

substitution. In the event a substitute foreclosure commissioner

is designated less than forty-eight hours prior to the time of the

foreclosure sale, the pending foreclosure shall be terminated and a

new foreclosure shall be commenced by commencing service of a new

notice of default and foreclosure sale.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3708 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3708. Service of notice of default and foreclosure sale

REGULATIONS: No separate regulations.

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in sections 3704, 3707, 3710, 3711,

3714 of this title.

-CITE-

12 USC Sec. 3709 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3709. Presale reinstatement

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3710 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3710. Foreclosure sale

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3711 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3711. Foreclosure costs

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3712 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3712. Disposition of sale proceeds

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3713 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3713. Transfer of title and possession

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3714 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3714. Record of foreclosure and sale

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3715 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3715. Computation of time

-STATUTE-

Periods of time provided for in this chapter shall be calculated

in consecutive calendar days including the day or days on which the

actions or events occur or are to occur for which the period of

time is provided and including the day on which an event occurs or

is to occur from which the period is to be calculated.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3716 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3716. Separability

-STATUTE-

If any clause, sentence, paragraph or part of this chapter shall,

for any reason, be adjudged by a court of competent jurisdiction to

be invalid or invalid as applied to a class of cases, such judgment

shall not affect, impair, or invalidate the remainder thereof and

of this chapter, but shall be confined in its operation to the

clause, sentence, paragraph, or part thereof directly involved in

the controversy in which such judgment shall have been rendered.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3717 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38 - MULTIFAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3717. Regulations

-STATUTE-

The Secretary is authorized to issue such regulations as may be

necessary to carry out the provisions of this chapter.

GENERAL APPLICATION REGULATIONS for Single family foreclosure: 12 U.S.C. §§ 3751-3768, 24 CFR § 29.

-CITE-

12 USC Sec. 3751 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3751. Findings and purpose

-STATUTE-

(a) Findings

The Congress finds that -

(1) the disparate State laws under which mortgages are

foreclosed on behalf of the Secretary covering 1- to 4-family

residential properties -

(A) burden certain programs administered by the Secretary;

(B) increase the costs of collecting obligations; and

(C) generally are a detriment to the community in which the

properties are located;

(2) the long periods required to complete the foreclosure of

such mortgages under certain State laws -

(A) lead to deterioration in the condition of the properties

involved;

(B) necessitate substantial Federal holding expenditures;

(C) increase the risk of vandalism, fire loss, depreciation,

damage, and waste with respect to the properties; and

(D) adversely affect the neighborhoods in which the

properties are located;

(3) these conditions seriously impair the ability of the

Secretary to protect the Federal financial interest in the

affected properties and frustrate attainment of the objectives of

the underlying Federal program authority;

(4) the availability of uniform and more expeditious

procedures, with no right of redemption in the mortgagor or

others, for the foreclosure of these mortgages by the Secretary

will tend to ameliorate these conditions; and

(5) providing the Secretary with a nonjudicial foreclosure

procedure will reduce unnecessary litigation by removing many

foreclosures from the courts if they contribute to overcrowded

calendars.

(b) Purpose

The purpose of this chapter is to create a uniform Federal

foreclosure remedy for single family mortgages that -

(1) are held by the Secretary pursuant to title I or title II

of the National Housing Act (12 U.S.C. 1702 et seq., 1707 et

seq.); or

(2) secure loans obligated by the Secretary under section 1452b

(FOOTNOTE 1) of title 42.

(FOOTNOTE 1) See References in Text note below.

REGULATIONS: No separate regulation.

-CITE-

12 USC Sec. 3752 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3752. Definitions

-STATUTE-

For purposes of this chapter, the following definitions shall

apply:

(1) Bona fide purchaser

The term ''bona fide purchaser'' means a purchaser for value in

good faith and without notice of any adverse claim, and who

acquires the security property free of any adverse claim.

(2) County

The term ''county'' has the same meaning as in section 2 of

title 1.

(3) Mortgage

The term ''mortgage'' means a deed of trust, mortgage, deed to

secure debt, security agreement, or any other form of instrument

under which any property (real, personal or mixed), or any

interest in property (including leaseholds, life estates,

reversionary interests, and any other estates under applicable

State law), is conveyed in trust, mortgaged, encumbered, pledged,

or otherwise rendered subject to a lien for the purpose of

securing the payment of money or the performance of an

obligation.

(4) Mortgage agreement

The term ''mortgage agreement'' means the note or debt

instrument and the mortgage instrument, deed of trust instrument,

trust deed, or instrument or instruments creating the mortgage,

including any instrument incorporated by reference therein and

any instrument or agreement amending or modifying any of the

foregoing.

(5) Mortgagor

The term ''mortgagor'' means the obligor, grantor, or trustee

named in the mortgage agreement and, unless the context otherwise

indicates, includes the current owner of record of the security

property whether or not such owner is personally liable on the

mortgage debt.

(6) Owner

The term ''owner'' means any person who has an ownership

interest in property and includes heirs, devises, executors,

administrators, and other personal representatives, and trustees

of testamentary trusts if the owner of record is deceased.

(7) Person

The term ''person'' includes any individual, group of

individuals, association, partnership, corporation, or

organization.

(8) Record; recorded

The terms ''record'' and ''recorded'' include ''register'' and

''registered'' in the instance of registered land.

(9) Security property

The term ''security property'' means the property (real,

personal or mixed) or an interest in property (including

leaseholds, life estates, reversionary interests, and any other

estates under applicable State law), together with fixtures and

other interests subject to the lien of the mortgage under

applicable State law.

(10) Single family mortgage

The term ''single family mortgage'' means a mortgage that

covers property on which there is located a 1- to 4-family

residence, and that -

(A) is held by the Secretary pursuant to title I or title II

of the National Housing Act (12 U.S.C. 1702 et seq., 1707 et

seq.); or

(B) secures a loan obligated by the Secretary under section

1452b of title 42, as it existed before the repeal of that

section by section 12839 of title 42 (except that a mortgage

securing such a loan that covers property containing

nonresidential space and a 1- to 4-family dwelling shall not be

subject to this chapter).

(11) State

The term ''State'' means -

(A) the several States;

(B) the District of Columbia;

(C) the Commonwealth of Puerto Rico;

(D) the United States Virgin Islands;

(E) Guam;

(F) American Samoa;

(G) the Northern Mariana Islands;

(H) the Trust Territory of the Pacific Islands; and

(I) Indian tribes, as defined by the Secretary.

-SOURCE-

(Pub. L. 103-327, title II, Sept. 28, 1994, 108 Stat. 2316.)

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3753 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3753. Applicability

-STATUTE-

Single family mortgages encumbering real estate located in any

State may be foreclosed by the Secretary in accordance with this

chapter, or pursuant to other foreclosure procedures available, at

the option of the Secretary.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3754 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3754. Designation of foreclosure commissioner

-STATUTE-

(a) In general

The Secretary may designate a person or persons to serve as a

foreclosure commissioner or commissioners for the purpose of

foreclosing upon a single family mortgage.

(b) Power of sale

A foreclosure commissioner designated under this section shall

have a nonjudicial power of sale.

(c) Qualifications

The foreclosure commissioner, if a natural person, shall be a

resident of the State in which the security property is located

and, if not a natural person, the foreclosure commissioner must be

duly authorized to transact business under laws of the State in

which the security property is located. No person shall be

designated as a foreclosure commissioner unless that person is

responsible, financially sound, and competent to conduct a

foreclosure.

(d) Designation procedure

(1) Written designation

The Secretary may designate a foreclosure commissioner by

executing a written designation stating the name and business or

residential address of the commissioner, except that if a person

is designated in his or her capacity as an official or employee

of a government or corporate entity, such person may be

designated by his or her unique title or position instead of by

name.

(2) Substitute commissioners

The Secretary may, with or without cause, designate a

substitute foreclosure commissioner to replace a previously

designated foreclosure commissioner.

(3) Number

More than 1 foreclosure commissioner may be designated at any

time.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3755 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3755. Prerequisites to foreclosure

-STATUTE-

(a) In general

(1) Upon breach of covenant or condition

The Secretary is authorized to foreclose a mortgage under this

chapter upon the breach of a covenant or condition in the

mortgage agreement.

(2) No other pending proceedings

(A) Prior to commencement

No foreclosure may be commenced under this chapter unless any

previously pending judicial or nonjudicial proceeding that has

been separately instituted by the Secretary to foreclose the

mortgage (other than under this chapter), has been withdrawn,

dismissed, or otherwise terminated.

(B) After commencement

No separately instituted foreclosure proceeding on a mortgage

which is the subject of a foreclosure proceeding under this

chapter shall be instituted by the Secretary during the

pendency of foreclosure pursuant to this chapter.

(b) Other rights unaffected

Nothing in this chapter shall preclude the Secretary from -

(1) enforcing any right, other than foreclosure, under

applicable Federal or State law, including any right to obtain a

monetary judgment; or

(2) foreclosing under this chapter if the Secretary has

obtained or is seeking any other remedy available pursuant to

Federal or State law, or under the mortgage agreement, including

the appointment of a receiver, mortgagee-in-possession status, or

relief under an assignment of rents.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3756 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3756. Commencement of foreclosure

-STATUTE-

(a) Request to foreclosure commissioner

If the Secretary, as holder of a single family mortgage,

determines that the prerequisites to foreclosure set forth in

section 3755 of this title are satisfied, the Secretary may request

the foreclosure commissioner to commence foreclosure of a single

family mortgage. Upon such request, the foreclosure commissioner

shall commence foreclosure of the mortgage, by commencing service

of a notice of default and foreclosure sale in accordance with

sections 3757 and 3758 of this title.

(b) Designation of substitute foreclosure commissioner

After commencement of a foreclosure under this chapter, the

Secretary may designate a substitute foreclosure commissioner at

any time before the time of the foreclosure sale, and the

foreclosure shall continue without prejudice, unless the substitute

commissioner, in that commissioner's sole discretion, finds that

continuation of the foreclosure sale will unfairly affect the

interests of the mortgagor. If the substitute commissioner makes

such a finding, the substitute commissioner shall cancel the

foreclosure sale, or adjourn such sale in accordance with section

3760(c) of this title.

(c) Written notice

Upon designation of a substitute foreclosure commissioner, a copy

of the written notice of such designation described in section 3754

of this title shall be served -

(1) by mail, as provided in section 3758 of this title (except

that the minimum time periods between mailing and the date of

foreclosure sale prescribed in such section shall not apply); or

(2) in any other manner which, in the substitute commissioner's

sole discretion, is conducive to achieving timely notice of such

substitution.

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3757 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3757. Notice of default and foreclosure sale

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3758 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3758. Service of notice of foreclosure sale

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3759 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3759. Presale reinstatement

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3760 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3760. Conduct of sale; adjournment

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3761 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3761. Foreclosure costs

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3759 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3759. Presale reinstatement

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3760 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3760. Conduct of sale; adjournment

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3761 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3761. Foreclosure costs

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3762 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3762. Disposition of sale proceeds

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3763 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3763. Transfer of title and possession

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3764 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3764. Record of foreclosure and sale

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3765 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3765. Effect of sale

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3766 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3766. Computation of time

REGULATION: No separate regulation.

-CITE-

12 USC Sec. 3767 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3767. Severability

REGULATION: No separate regulation.

.

.

. -CITE-

12 USC Sec. 3768 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 38A - SINGLE FAMILY MORTGAGE FORECLOSURE

-HEAD-

Sec. 3768. Deficiency judgment

REGULATION: No separate regulation.

-CITE-

12 USC CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-MISC1-

Sec.

3801. Findings and purpose.

3802. Definitions.

3803. Alternative mortgage authority.

(a) General authority; compliance by banks, credit

unions and all other housing creditors with

applicable regulations.

(b) Transactions deemed in compliance with applicable

regulations.

(c) Preemption of State constitutions, laws or

regulations.

3804. Applicability of preemption provisions.

3805. Applicability of consumer protection provisions.

3806. Adjustable rate mortgage caps.

(a) In general.

(b) Regulations.

(c) Enforcement.

(d) Definitions.

  1. Effective date.
-CITE-

12 USC Sec. 3801 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

Sec. 3801. Findings and purpose

-STATUTE-

(a) The Congress hereby finds that -

(1) increasingly volatile and dynamic changes in interest rates

have seriously impared (FOOTNOTE 1) the ability of housing

creditors to provide consumers with fixed-term, fixed-rate credit

secured by interests in real property, cooperative housing,

manufactured homes, and other dwellings;

(FOOTNOTE 1) So in original. Probably should be ''impaired''.

(2) alternative mortgage transactions are essential to the

provision of an adequate supply of credit secured by residential

property necessary to meet the demand expected during the 1980's;

and

(3) the Comptroller of the Currency, the National Credit Union

Administration, and the Director of the Office of Thrift

Supervision have recognized the importance of alternative

mortgage transactions and have adopted regulations authorizing

federally chartered depository institutions to engage in

alternative mortgage financing.

(b) It is the purpose of this chapter to eliminate the

discriminatory impact that those regulations have upon nonfederally

chartered housing creditors and provide them with parity with

federally chartered institutions by authorizing all housing

creditors to make, purchase, and enforce alternative mortgage

transactions so long as the transactions are in conformity with the

regulations issued by the Federal agencies.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 3802 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

Sec. 3802. Definitions

-STATUTE-

As used in this chapter -

(1) the term ''alternative mortgage transaction'' means a loan

or credit sale secured by an interest in residential real

property, a dwelling, all stock allocated to a dwelling unit in a

residential cooperative housing corporation, or a residential

manufactured home (as that term is defined in section 5402(6) of

title 42 -

(A) in which the interest rate or finance charge may be

adjusted or renegotiated;

(B) involving a fixed-rate, but which implicitly permits rate

adjustments by having the debt mature at the end of an interval

shorter than the term of the amortization schedule; or

(C) involving any similar type of rate, method of determining

return, term, repayment, or other variation not common to

traditional fixed-rate, fixed-term transactions, including

without limitation, transactions that involve the sharing of

equity or appreciation;

described and defined by applicable regulation; and

(2) the term ''housing creditor'' means -

(A) a depository institution, as defined in section 501(a)(2)

of the Depository Institutions Deregulation and Monetary

Control Act of 1980;

(B) a lender approved by the Secretary of Housing and Urban

Development for participation in any mortgage insurance program

under the National Housing Act (12 U.S.C. 1701 et seq.);

(C) any person who regularly makes loans, credit sales, or

advances secured by interests in properties referred to in

paragraph (1); or

(D) any transferee of any of them.

A person is not a ''housing creditor'' with respect to a specific

alternative mortgage transaction if, except for this chapter, in

order to enter into that transaction, the person would be

required to comply with licensing requirements imposed under

State law, unless such person is licensed under applicable State

law and such person remains, or becomes, subject to the

applicable regulatory requirements and enforcement mechanisms

provided by State law.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 3803 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

Sec. 3803. Alternative mortgage authority

-STATUTE-

(a) General authority; compliance by banks, credit unions and all

other housing creditors with applicable regulations

In order to prevent discrimination against State-chartered

depository institutions, and other nonfederally chartered housing

creditors, with respect to making, purchasing, and enforcing

alternative mortgage transactions, housing creditors may make,

purchase, and enforce alternative mortgage transactions, except

that this section shall apply -

(1) with respect to banks, only to transactions made in

accordance with regulations governing alternative mortgage

transactions as issued by the Comptroller of the Currency for

national banks, to the extent that such regulations are

authorized by rulemaking authority granted to the Comptroller of

the Currency with regard to national banks under laws other than

this section;

(2) with respect to credit unions, only to transactions made in

accordance with regulations governing alternative mortgage

transactions as issued by the National Credit Union

Administration Board for Federal credit unions, to the extent

that such regulations are authorized by rulemaking authority

granted to the National Credit Union Administration with regard

to Federal credit unions under laws other than this section; and

(3) with respect to all other housing creditors, including

without limitation, savings and loan associations, mutual savings

banks, and savings banks, only to transactions made in accordance

with regulations governing alternative mortgage transactions as

issued by the Director of the Office of Thrift Supervision for

federally chartered savings and loan associations, to the extent

that such regulations are authorized by rulemaking authority

granted to the Director of the Office of Thrift Supervision with

regard to federally chartered savings and loan associations under

laws other than this section.

(b) Transactions deemed in compliance with applicable regulations

For the purpose of determining the applicability of this section,

an alternative mortgage transaction shall be deemed to be made in

accordance with the applicable regulation notwithstanding the

housing creditor's failure to comply with the regulation, if -

(1) the transaction is in substantial compliance with the

regulation; and

(2) within sixty days of discovering any error, the housing

creditor corrects such error, including making appropriate

adjustments, if any, to the account.

(c) Preemption of State constitutions, laws or regulations

An alternative mortgage transaction may be made by a housing

creditor in accordance with this section, notwithstanding any State

constitution, law, or regulation.

REGULATIONS: None listed.

-CITE-

12 USC Sec. 3804 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

Sec. 3804. Applicability of preemption provisions

REGULATIONS: None listed.

-CITE-

12 USC Sec. 3805 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

Sec. 3805. Applicability of consumer protection provisions

-STATUTE-

Section 501(c)(1) of the Depository Institutions Deregulation and

Monetary Control Act of 1980 shall not apply to transactions which

are subject to this chapter.

-SOURCE-

(Pub. L. 97-320, title VIII, Sec. 806, Oct. 15, 1982, 96 Stat.

1548.)

Regulations: None. However, for 12 U.S.C. § 3806, see 12 CFR §§ 226 & 561, and for § 3808, see 12 CFR § 563.

-CITE-

12 USC Sec. 3806 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 39 - ALTERNATIVE MORTGAGE TRANSACTIONS

-HEAD-

Sec. 3806. Adjustable rate mortgage caps

REGULATIONS: 12 CFR §§ 226 & 561.

GENERAL APPLICATION REGULATIONS for Government Sponsored Enterprises, 12 U.S.C. §§ 4501-4641, 24 CFR § 81.

-CITE-

12 USC Sec. 4501 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

-HEAD-

Sec. 4501. Congressional findings

-STATUTE-

The Congress finds that -

(1) the Federal National Mortgage Association and the Federal

Home Loan Mortgage Corporation (referred to in this section

collectively as the ''enterprises''), and the Federal Home Loan

Banks (referred to in this section as the ''Banks''), have

important public missions that are reflected in the statutes and

charter Acts establishing the Banks and the enterprises;

(2) because the continued ability of the Federal National

Mortgage Association and the Federal Home Loan Mortgage

Corporation to accomplish their public missions is important to

providing housing in the United States and the health of the

Nation's economy, more effective Federal regulation is needed to

reduce the risk of failure of the enterprises;

(3) considering the current operating procedures of the Federal

National Mortgage Association, the Federal Home Loan Mortgage

Corporation, and the Federal Home Loan Banks, the enterprises and

the Banks currently pose low financial risk of insolvency;

(4) neither the enterprises nor the Banks, nor any securities

or obligations issued by the enterprises or the Banks, are backed

by the full faith and credit of the United States;

(5) an entity regulating the Federal National Mortgage

Association and the Federal Home Loan Mortgage Corporation should

have sufficient autonomy from the enterprises and special

interest groups;

(6) an entity regulating such enterprises should have the

authority to establish capital standards, require financial

disclosure, prescribe adequate standards for books and records

and other internal controls, conduct examinations when necessary,

and enforce compliance with the standards and rules that it

establishes;

(7) the Federal National Mortgage Association and the Federal

Home Loan Mortgage Corporation have an affirmative obligation to

facilitate the financing of affordable housing for low- and

moderate-income families in a manner consistent with their

overall public purposes, while maintaining a strong financial

condition and a reasonable economic return; and

(8) the Federal Home Loan Bank Act (12 U.S.C. 1421 et seq.)

should be amended to emphasize that providing for financial

safety and soundness of the Federal Home Loan Banks is the

primary mission of the Federal Housing Finance Board.

REGULATIONS: Only general application regulations listed above.

-CITE-

12 USC Sec. 4502 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

-HEAD-

Sec. 4502. Definitions

Definitions here demonstrate application only in territory of the United States, per subsection (17), which defines the term "state":

(17) State

The term ''State'' means the States of the United States, the

District of Columbia, the Commonwealth of Puerto Rico, the

Commonwealth of the Northern Mariana Islands, Guam, the Virgin

Islands, American Samoa, the Trust Territory of the Pacific

Islands, and any other territory or possession of the United

States.

REGULATIONS: None other than general application regulation above.

-CITE-

12 USC Sec. 4503 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

-HEAD-

Sec. 4503. Protection of taxpayers against liability

-STATUTE-

This chapter may not be construed as obligating the Federal

Government, either directly or indirectly, to provide any funds to

the Federal Home Loan Mortgage Corporation, the Federal National

Mortgage Association, or the Federal Home Loan Banks, or to honor,

reimburse, or otherwise guarantee any obligation or liability of

the Federal Home Loan Mortgage Corporation, the Federal National

Mortgage Association, or the Federal Home Loan Banks. This chapter

may not be construed as implying that any such enterprise or Bank,

or any obligations or securities of such an enterprise or Bank, are

backed by the full faith and credit of the United States.

REGULATION: None listed other than general application regulation.

-CITE-

12 USC Sec. 4511 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4511. Establishment of Office of Federal Housing Enterprise

Oversight

-STATUTE-

There is hereby established an office within the Department of

Housing and Urban Development, which shall be known as the Office

of Federal Housing Enterprise Oversight.

REGULATION: None but general application regulation listed.

-CITE-

12 USC Sec. 4512 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4512. Director

-STATUTE-

(a) Appointment

The Office shall be under the management of a Director, who shall

be appointed by the President, by and with the advice and consent

of the SenateÉ

REGULATIONS: None but general application regulation.

-CITE-

12 USC Sec. 4513 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4513. Duty and authority of Director

REGULATION: 12 CFR § 1700.

-CITE-

12 USC Sec. 4514 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4514. Authority to require reports by enterprises

REGULATION: None but general application regulation.

-CITE-

12 USC Sec. 4517 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4517. Examinations

REGULATION: Only general application regulation.

-CITE-

12 USC Sec. 4524 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4524. Audits by GAO

-STATUTE-

The Comptroller General shall audit the operations of the Office

in accordance with generally accepted Government auditing

standards. All books, records, accounts, reports, files, and

property belonging to, or used by, the Office shall be made

available to the Comptroller General. Audits under this section

shall be conducted annually for the first 2 fiscal years following

October 28, 1992, and as appropriate thereafter.

REGULATION: Only general application regulation.

-CITE-

12 USC Sec. 4525 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4525. Information, records, and meetings

-STATUTE-

For purposes of subchapter II of chapter 5 of title 5 -

(1) the Office, and

(2) the Department of Housing and Urban Development, with

respect to activities under this chapter,

shall be considered agencies responsible for the regulation or

REGULATION: Only general application regulation.

-CITE-

12 USC Sec. 4526 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part A - Financial Safety and Soundness Regulator

-HEAD-

Sec. 4526. Regulations and orders

REGULATION: 12 CFR § 1700.

-HEAD-

Part B - Authority of Secretary

-CITE-

12 USC subpart 1 - general authority 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part B - Authority of Secretary

subpart 1 - general authority

-HEAD-

subpart 1 - general authority

-CITE-

12 USC Sec. 4541 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part B - Authority of Secretary

subpart 1 - general authority

-HEAD-

Sec. 4541. Regulatory authority

-STATUTE-

Except for the authority of the Director of the Office of Federal

Housing Enterprise Oversight described in section 4513(b) of this

title and all other matters relating to the safety and soundness of

the enterprises, the Secretary of Housing and Urban Development

shall have general regulatory power over each enterprise and shall

make such rules and regulations as shall be necessary and proper to

ensure that this part and the purposes of the Federal National

Mortgage Association Charter Act (12 U.S.C. 1716 et seq.) and the

Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1451 et seq.)

are accomplished.

REGULATION: Only general application regulation listed above.

-CITE-

12 USC Sec. 4542 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part B - Authority of Secretary

subpart 1 - general authority

-HEAD-

Sec. 4542. Prior approval authority for new programs

REGULATION: Only general application regulation above.

-CITE-

12 USC Sec. 4543 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part B - Authority of Secretary

subpart 1 - general authority

-HEAD-

Sec. 4543. Public access to mortgage information

-STATUTE-

(a) In general

The Secretary shall make available to the public, in forms useful

to the public (including forms accessible by computers), the data

submitted by the enterprises in the reports required under section

1723a(m) of this title or section 1456(e) of this title.

(b) Access

(1) Proprietary data

Except as provided in paragraph (2), the Secretary may not make

available to the public data that the Secretary determines

pursuant to section 4546 of this title are proprietary

information.

(2) Exception

The Secretary shall not restrict access to the data provided in

accordance with section 1723a(m)(1)(A) of this title or section

1456(e)(1)(A) of this title.

(c) Fees

The Secretary may charge reasonable fees to cover the cost of

making data available under this section to the public.

REGULATION: Only general application regulation.

-CITE-

12 USC Sec. 4561 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part B - Authority of Secretary

subpart 2 - housing goals

-HEAD-

Sec. 4561. Establishment

-STATUTE-

(a) In general

The Secretary shall establish, by regulation, housing goals under

this subpart for each enterprise. The housing goals shall include

a low- and moderate-income housing goal pursuant to section 4562 of

this title, a special affordable housing goal pursuant to section

4563 of this title, and a central cities, rural areas, and other

underserved areas housing goal pursuant to section 4564 of this

title. The Secretary shall implement this subpart in a manner

consistent with section 1716(3) of this title and section 301(b)(3)

of the Federal Home Loan Mortgage Corporation Act.

(b) Consideration of units in multifamily housing

In establishing any goal under this subpart, the Secretary may

take into consideration the number of housing units financed by any

mortgage on multifamily housing purchased by an enterprise.

(c) Adjustment of housing goals

Except as otherwise provided in this chapter, from year to year

the Secretary may, by regulation, adjust any housing goal

established under this subpart.

REGULATION: Only general application regulation.

-CITE-

12 USC Part C - Miscellaneous Provisions 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part C - Miscellaneous Provisions

-HEAD-

Part C - Miscellaneous Provisions

-CITE-

12 USC Sec. 4601 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 46 - GOVERNMENT SPONSORED ENTERPRISES

SUBCHAPTER I - SUPERVISION AND REGULATION OF ENTERPRISES

Part C - Miscellaneous Provisions

-HEAD-

Sec. 4601. Review of underwriting guidelines

REGULATIONS: Only general application regulations.

-CITE-

12 USC CHAPTER 48 - FINANCIAL INSTITUTIONS REGULATORY

IMPROVEMENT 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 48 - FINANCIAL INSTITUTIONS REGULATORY IMPROVEMENT

-HEAD-

CHAPTER 48 - FINANCIAL INSTITUTIONS REGULATORY IMPROVEMENT

-MISC1-

Sec.

4801. Incorporated definitions.

4802. Administrative consideration of burden with new regulations.

(a) Agency considerations.

(b) Adequate transition period for new regulations.

4803. Streamlining of regulatory requirements.

(a) Review of regulations; regulatory uniformity.

(b) Review of disclosures.

4804. Elimination of duplicative filings.

4805. Call report simplification.

(a) Modernization of call report filing and

disclosure system.

(b) Uniform reports and simplification of

instructions.

(c) Review of call report schedule.

4806. Regulatory appeals process, ombudsman, and alternative

dispute resolution.

(a) In general.

(b) Review process.

(c) Comment period.

(d) Agency ombudsman.

(e) Alternative dispute resolution pilot program.

(f) Definitions.

(g) Effect on other authority.

4807. Time limit on agency consideration of completed applications.

(a) In general.

(b) Waiver by applicant authorized.

4808. Revising regulatory requirements for transfers of all types

of assets with recourse.

(a) Review and revision of regulations.

(b) Regulations required.

(c) Coordination with section 1835(b) of this title.

  1. Definitions.
-CITE-

12 USC Sec. 4801 01/16/96

-EXPCITE-

TITLE 12 - BANKS AND BANKING

CHAPTER 48 - FINANCIAL INSTITUTIONS REGULATORY IMPROVEMENT

-HEAD-

Sec. 4801. Incorporated definitions

Regulations: None

Title 15 United States Code

GENERAL APPLICATION REGULATIONS for Securities Act: 15 U.S.C. §§ 77a et seq., 17 CFR § 202.

-CITE-

15 USC Sec. 77a 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77a. Short title

-STATUTE-

This subchapter may be cited as the ''Securities Act of 1933''.

-SOURCE-

(May 27, 1933, ch. 38, title I, Sec. 1, 48 Stat. 74.)

-MISC1-

SHORT TITLE OF 1980 AMENDMENT

Pub. L. 96-477, title VI, Sec. 601, Oct. 21, 1980, 94 Stat. 2294,

provided that: ''This title (amending sections 77b and 77d of this

title) may be cited as the 'Small Business Issuers' Simplification

Act of 1980'.''

REGULATION: Only general application regulation above.

-CITE-

15 USC Sec. 77b 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77b. Definitions

These definitions are generally inclusive of mortgages and the like.

REGULATION: 17 CFR § 230.

-CITE-

15 USC Sec. 77c 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77c. Classes of securities under this subchapter

Notes following this section are informative and instructive.

REGULATIONS: Only general application regulation above.

-CITE-

15 USC Sec. 77d 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77d. Exempted transactions

REGULATIONS: General application regulations only.

-CITE-

15 USC Sec. 77f 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77f. Registration of securities

REGULATIONS: 17 CFR §§ 200, 201, 202, 228, 229, 230, 232, 250, 260, 270, 274.

-CITE-

15 USC Sec. 77g 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77g. Information required in registration statement

REGULATIONS: 17 CFR §§ 200, 201, 210, 228, 229, 230, 232, 240, 260, 270, 274.

-CITE-

15 USC Sec. 77h-1 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77h-1. Cease-and-desist proceedings

REGULATIONS: 17 CFR §§ 201 & 209.

-CITE-

15 USC Sec. 77n 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77n. Contrary stipulations void

-STATUTE-

Any condition, stipulation, or provision binding any person

acquiring any security to waive compliance with any provision of

this subchapter or of the rules and regulations of the Commission

shall be void.

REGULATION: Only general application regulation.

-CITE-

15 USC Sec. 77o 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77o. Liability of controlling persons

-STATUTE-

Every person who, by or through stock ownership, agency, or

otherwise, or who, pursuant to or in connection with an agreement

or understanding with one or more other persons by or through stock

ownership, agency, or otherwise, controls any person liable under

sections 77k or 77l of this title, shall also be liable jointly and

severally with and to the same extent as such controlled person to

any person to whom such controlled person is liable, unless the

controlling person had no knowledge of or reasonable ground to

believe in the existence of the facts by reason of which the

liability of the controlled person is alleged to exist.

REGULATION: Only general application regulation.

-CITE-

15 USC Sec. 77p 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77p. Additional remedies

-STATUTE-

The rights and remedies provided by this subchapter shall be in

addition to any and all other rights and remedies that may exist at

law or in equity.

REGULATION: General application regulation only.

-CITE-

15 USC Sec. 77q 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77q. Fraudulent interstate transactions

-STATUTE-

(a) Use of interstate commerce for purpose of fraud or deceit

It shall be unlawful for any person in the offer or sale of any

securities by the use of any means or instruments of transportation

or communication in interstate commerce or by the use of the mails,

directly or indirectly -

(1) to employ any device, scheme, or artifice to defraud, or

(2) to obtain money or property by means of any untrue

statement of a material fact or any omission to state a material

fact necessary in order to make the statements made, in the light

of the circumstances under which they were made, not misleading,

or

(3) to engage in any transaction, practice, or course of

business which operates or would operate as a fraud or deceit

upon the purchaser.

(b) Use of interstate commerce for purpose of offering for sale

It shall be unlawful for any person, by the use of any means or

instruments of transportation or communication in interstate

commerce or by the use of the mails, to publish, give publicity to,

or circulate any notice, circular, advertisement, newspaper,

article, letter, investment service, or communication which, though

not purporting to offer a security for sale, describes such

security for a consideration received or to be received, directly

or indirectly, from an issuer, underwriter, or dealer, without

fully disclosing the receipt, whether past or prospective, of such

consideration and the amount thereof.

(c) Exemptions of section 77c not applicable to this section

The exemptions provided in section 77c of this title shall not

apply to the provisions of this section.

REGULATION: 17 CFR §§ 200, 270 & 274.

-CITE-

15 USC Sec. 77r 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77r. State control of securities

-STATUTE-

Nothing in this subchapter shall affect the jurisdiction of the

securities commission (or any agency or office performing like

functions) of any State or Territory of the United States, or the

District of Columbia, over any security or any person.

REGULATION: 17 CFR § 230.

-CITE-

15 USC Sec. 77r-1 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77r-1. Preemption of State law

REGULATION: 17 CFR § 230.

-CITE-

15 USC Sec. 77t 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 2A - SECURITIES AND TRUST INDENTURES

SUBCHAPTER I - DOMESTIC SECURITIES

-HEAD-

Sec. 77t. Injunctions and prosecution of offenses

REGULATION: 17 CFR §§ 202, 203 & 230.

-CITE-

15 USC CHAPTER 41 - CONSUMER CREDIT PROTECTION 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 41 - CONSUMER CREDIT PROTECTION

-HEAD-

CHAPTER 41 - CONSUMER CREDIT PROTECTION

-MISC1-

SUBCHAPTER I - CONSUMER CREDIT COST DISCLOSURE

PART A - GENERAL PROVISIONS

Regulations: General application regulations for § 1601 et seq., 12 CFR 205, 701; for §§ 1601-1693r, 14 CFR § 374.

Sec.

1601. Congressional findings and declaration of purpose.

(a) Informed use of credit.

(b) Terms of personal property leases.

Regulations: 16 CFR § 14; 32 CFR §§ 43a, 552

1602. Definitions and rules of construction.

Regulations: None except for general regulations listed above.

1604. Disclosure guidelines.

(a) Promulgation, contents, etc., of regulations.

(b) Model disclosure forms and clauses; publication,

criteria, compliance, etc.

(c) Procedures applicable for adoption of model forms

and clauses.

(d) Effective dates of regulations containing new

disclosure requirements.

Regulations: 12 CFR § 213.

1605. Determination of finance charge.

(a) ''Finance charge'' defined.

(b) Life, accident, or health insurance premiums

included in finance charge.

(c) Property damage and liability insurance premiums

included in finance charge.

(d) Items exempted from computation of finance charge

in all credit transactions.

(e) Items exempted from computation of finance charge

in extensions of credit secured by an interest

in real property.

(f) Tolerances for accuracy.

Regulations: None except for general regulations listed above.

1606. Determination of annual percentage rate.

(a) ''Annual percentage rate'' defined.

(b) Computation of rate of finance charges for

balances within a specified range.

(c) Allowable tolerances for purposes of compliance

with disclosure requirements.

(d) Use of rate tables or charts having allowable

variance from determined rates.

(e) Authorization of tolerances in determining annual

percentage rates.

Regulations: None except for general regulations listed above.

1607. Administrative enforcement.

(a) Enforcing agencies.

(b) Violations of this subchapter deemed violations

of pre-existing statutory requirements;

additional agency powers.

(c) Federal Trade Commission as overall enforcing

agency.

(d) Rules and regulations.

(e) Adjustment of finance charges; procedures

applicable, coverage, criteria, etc.

Regulations: 12 CFR § 303

1608. Views of other agencies.

Regulations: None except for general regulations listed above.

1609. Repealed.

1610. Effect on other laws.

(a) Inconsistent provisions; procedures applicable

for determination.

(b) State credit charge statutes.

(c) Disclosure as evidence.

(d) Contract or other obligations under State or

Federal law.

(e) Certain credit and charge card application and

solicitation disclosure provisions.

Regulations: None except for general regulations listed above.

1611. Criminal liability for willful and knowing violation.

Regulations: None except for general regulations listed above.

1612. Effect on government agencies.

(a) Consultation requirements respecting compliance

of credit instruments issued to participating

creditor.

(b) Inapplicability of Federal civil or criminal

penalties to Federal, State, and local

agencies.

(c) Inapplicability of Federal civil or criminal

penalties to participating creditor where

violating instrument issued by United States.

(d) Applicability of State penalties to violations by

participating creditor.

Regulations: None except for general regulations listed above.

1613. Annual reports to Congress by Board.

Regulations: None except for general regulations listed above.

1614. Repealed.

1615. Prohibition on use of ''Rule of 78's'' in connection with

mortgage refinancings and other consumer loans.

(a) Prompt refund of unearned interest required.

(b) Use of ''Rule of 78's'' prohibited.

(c) Statement of prepayment amount.

(d) Definitions.

PART B - CREDIT TRANSACTIONS

Regulations: None except for general regulations listed above.

1631. Disclosure requirements.

(a) Duty of creditor or lessor respecting one or more

than one obligor.

(b) Creditor or lessor required to make disclosure.

(c) Estimates as satisfying statutory requirements;

basis of disclosure for per diem interest.

(d) Tolerances for numerical disclosures.

Regulations: None except for general regulations listed above.

1632. Form of disclosure; additional information.

(a) Information clearly and conspicuously disclosed;

''annual percentage rate'' and ''finance

charge''; order of disclosures and use of

different terminology.

(b) Optional information by creditor or lessor.

(c) Tabular format required for certain disclosures

under section 1637(c).

Regulations: None except for general regulations listed above.

1633. Exemption for State-regulated transactions.

Regulations: None except for general regulations listed above.

1634. Effect of subsequent occurrence.

Regulations: None except for general regulations listed above.

1635. Right of rescission as to certain transactions.

(a) Disclosure of obligor's right to rescind.

(b) Return of money or property following rescission.

(c) Rebuttable presumption of delivery of required

disclosures.

(d) Modification and waiver of rights.

(e) Exempted transactions; reapplication of

provisions.

(f) Time limit for exercise of right.

(g) Additional relief.

(h) Limitation on rescission.

  1. Rescission rights in foreclosure.
Regulations: None except for general regulations listed above.

1636. Repealed.

1637. Open end consumer credit plans.

(a) Required disclosures by creditor.

(b) Statement required with each billing cycle.

(c) Disclosure in credit and charge card applications

and solicitations.

(d) Disclosure prior to renewal.

(e) Other rules for disclosures under subsections (c)

and (d).

(f) Disclosure of range of certain fees which vary by

State allowed.

(g) Insurance in connection with certain open end

credit card plans.

Regulations: 12 CFR § 226 (Regulation Z)

1637a. Disclosure requirements for open end consumer credit plans

secured by consumer's principal dwelling.

(a) Application disclosures.

(b) Time and form of disclosures.

(c) Third party applications.

(d) ''Principal dwelling'' defined.

(e) Pamphlet.

Regulations: None except for general regulations listed above.

1638. Transactions other than under an open end credit plan.

(a) Required disclosures by creditor.

(b) Form and timing of disclosures; residential

mortgage transaction requirements.

(c) Timing of disclosures on unsolicited mailed or

telephone purchase orders or loan requests.

(d) Timing of disclosure in cases of an addition of a

deferred payment price to an existing

outstanding balance.

Regulations: None except for general regulations listed above.

1639. Requirements for certain mortgages.

(a) Disclosures.

(b) Time of disclosures.

(c) No prepayment penalty.

(d) Limitations after default.

(e) No balloon payments.

(f) No negative amortization.

(g) No prepaid payments.

(h) Prohibition on extending credit without regard to

payment ability of consumer.

(i) Requirements for payments under home improvement

contracts.

(j) Consequence of failure to comply.

(k) ''Affiliate'' defined.

(l) Discretionary regulatory authority of Board.

Regulations: None except for general regulations listed above.

1640. Civil liability.

(a) Individual or class action for damages; amount of

award; factors determining amount of award.

(b) Correction of errors.

(c) Unintentional violations; bona fide errors.

(d) Liability in transaction or lease involving

multiple obligors.

(e) Jurisdiction of courts; limitations on actions;

State attorney general enforcement.

(f) Good faith compliance with rule, regulation, or

interpretation of Board or with interpretation

or approval of duly authorized official or

employee of Federal Reserve System.

(g) Recovery for multiple failures to disclose.

(h) Offset from amount owed to creditor or assignee;

rights of defaulting consumer.

  1. Class action moratorium.
Regulations: None except for general regulations listed above.

1641. Liability of assignees.

(a) Prerequisites.

(b) Proof of compliance with statutory provisions.

(c) Right of rescission by consumer unaffected.

(d) Rights upon assignment of certain mortgages.

(e) Liability of assignee for consumer credit

transactions secured by real property.

(f) Treatment of servicer.

Regulations: None except for general regulations listed above.

1642. Issuance of credit cards.

Regulations: None except for general regulations listed above.

1643. Liability of holder of credit card.

(a) Limits on liability.

(b) Burden of proof.

(c) Liability imposed by other laws or by agreement

with issuer.

(d) Exclusiveness of liability.

Regulations: None except for general regulations listed above.

1644. Fraudulent use of credit cards; penalties.

(a) Use, attempt or conspiracy to use card in

transaction affecting interstate or foreign

commerce.

(b) Transporting, attempting or conspiring to

transport card in interstate commerce.

(c) Use of interstate commerce to sell or transport

card.

(d) Receipt, concealment, etc., of goods obtained by

use of card.

(e) Receipt, concealment, etc., of tickets for

interstate or foreign transportation obtained

by use of card.

(f) Furnishing of money, etc., through use of card.

Regulations: None except for general regulations listed above.

1645. Business credit cards; limits on liability of employees.

Regulations: None except for general regulations listed above.

1646. Dissemination of annual percentage rates; implementation,

etc.

(a) Annual percentage rates.

(b) Credit card price and availability information.

(c) Implementation.

Regulations: None except for general regulations listed above.

1647. Home equity plans.

(a) Index requirement.

(b) Grounds for acceleration of outstanding balance.

(c) Change in terms.

(d) Terms changed after application.

(e) Additional requirements relating to refunds and

imposition of nonrefundable fees.

Regulations: None except for general regulations listed above.

1648. Reverse mortgages.

(a) In general.

(b) Projected total cost.

Regulations: None except for general regulations listed above.

1649. Certain limitations on liability.

(a) Limitations on liability.

(b) Exceptions.

Regulations: None except for general regulations listed above.

PART C - CREDIT ADVERTISING

1661. Catalogs and multiple-page advertisements.

Regulations: None except for general regulations listed above.

1662. Advertising of down payments and installments.

Regulations: None except for general regulations listed above.

1663. Advertising of open end credit plans.

Regulations: None except for general regulations listed above.

1664. Advertising of credit other than open end plans.

(a) Exclusion of open end credit plans.

(b) Advertisements of residential real estate.

(c) Rate of finance charge expressed as annual

percentage rate.

(d) Requisite disclosures in advertisement.

Regulations: None except >  


Transfer interrupted!

1665. Nonliability of advertising media.

Regulations: None except for general regulations listed above.

1665a. Use of annual percentage rate in oral disclosures;

exceptions.

Regulations: None except for general regulations listed above.

1665b. Advertising of open end consumer credit plans secured by

consumer's principal dwelling.

(a) In general.

(b) Tax deductibility.

(c) Certain terms prohibited.

(d) Discounted initial rate.

(e) Balloon payment.

(f) ''Balloon payment'' defined.

Regulations: None except for general regulations listed above.

PART D - CREDIT BILLING

1666. Correction of billing errors.

(a) Written notice by obligor to creditor; time for

and contents of notice; procedure upon receipt

of notice by creditor.

(b) Billing error.

(c) Action by creditor to collect amount or any part

thereof regarded by obligor to be a billing

error.

(d) Restricting or closing by creditor of account

regarded by obligor to contain a billing error.

(e) Effect of noncompliance with requirements by

creditor.

Regulations: None except for general regulations listed above.

1666a. Regulation of credit reports.

(a) Reports by creditor on obligor's failure to pay

amount regarded as billing error.

(b) Reports by creditor on delinquent amounts in

dispute; notification of obligor of parties

notified of delinquency.

(c) Reports by creditor of subsequent resolution of

delinquent amounts.

Regulations: None except for general regulations listed above.

1666b. Length of billing period in credit statement for imposition

of finance charge; effect of failure of timely mailing or

delivery of statement.

(a) Additional finance charge.

(b) Excusable cause.

Regulations: None except for general regulations listed above.

1666c. Prompt crediting of payments; imposition of finance charge.

Regulations: None except for general regulations listed above.

1666d. Treatment of credit balances.

Regulations: None except for general regulations listed above.

1666e. Notification of credit card issuer by seller of return of

goods, etc., by obligor; credit for account of obligor.

Regulations: None except for general regulations listed above.

1666f. Inducements to cardholders by sellers of cash discounts for

payments by cash, check or similar means; credit card surcharge

prohibition; finance charge for sales transactions involving cash

discounts.

(a) Cash discounts.

(b) Finance charge.

Regulations: None except for general regulations listed above.

1666g. Tie-in services prohibited for issuance of credit card.

Regulations: None except for general regulations listed above.

1666h. Offset of cardholder's indebtedness by issuer of credit card

with funds deposited with issuer by cardholder; remedies of

creditors under State law not affected.

(a) Offset against consumer's funds.

(b) Attachments and levies.

1666i. Assertion by cardholder against card issuer of claims and

defenses arising out of credit card transaction; prerequisites;

limitation on amount of claims or defenses.

(a) Claims and defenses assertible.

(b) Amount of claims and defenses assertible.

1666j. Applicability of State laws.

(a) Consistency of provisions

(b) Exemptions by Board from credit billing

requirements.

(c) Finance charge or other charge for credit for

sales transactions involving cash discounts.

PART E - CONSUMER LEASES

Regulations: None except for general regulations listed above.

1667. Definitions.

Regulations: None except for general regulations listed above.

1667a. Consumer lease disclosures.

Regulations: None except for general regulations listed above.

1667b. Lessee's liability on expiration or termination of lease.

(a) Estimated residual value of property as basis;

presumptions; action by lessor for excess

liability; mutually agreeable final adjustment.

(b) Penalties and charges for delinquency, default,

or early termination.

(c) Independent professional appraisal of residual

value of property at termination of lease;

finality.

Regulations: None except for general regulations listed above.

Regulations: None except for general regulations listed above.

1667c. Consumer lease advertising; liability of advertising media.

(a) Contents of lease advertisements.

(b) Radio advertisements.

(c) Liability of advertising media.

Regulations: None except for general regulations listed above.

1667d. Civil liability of lessors.

(a) Grounds for maintenance of action.

(b) Additional grounds for maintenance of action;

''creditor'' defined.

(c) Jurisdiction of courts; time limitation.

Regulations: None except for general regulations listed above.

1667e. Applicability of State laws; exemptions by Board from

leasing requirements.

Regulations: None except for general regulations listed above.

SUBCHAPTER II - RESTRICTIONS ON GARNISHMENT

1671. Congressional findings and declaration of purpose.

(a) Disadvantages of garnishment.

(b) Necessity for regulation.

Regulations: None except for general regulations listed above.

1672. Definitions.

Regulations: None except for general regulations listed above.

1673. Restriction on garnishment.

(a) Maximum allowable garnishment.

(b) Exceptions.

(c) Execution or enforcement of garnishment order or

process prohibited.

Regulations: 5 CFR §§ 581, 582; 15 CFR § 15b; 20 CFR §§ 350, 363; 29 CFR § 870; 32 CFR § 54, 818; 42 CFR § 21.

1674. Restriction on discharge from employment by reason of

garnishment.

(a) Termination of employment.

(b) Penalties.

Regulations: None except for general regulations listed above.

1675. Exemption for State-regulated garnishments.

Regulations: 29 CFR § 870

1676. Enforcement by Secretary of Labor.

Regulations: 29 CFR § 870

1677. Effect on State laws.

Regulations: None except for general regulations listed above.

SUBCHAPTER III - CREDIT REPORTING AGENCIES

Regulations for §§ 1681 et seq.: 16 CFR § 1

1681. Congressional findings and statement of purpose.

(a) Accuracy and fairness of credit reporting.

(b) Reasonable procedures.

Regulations: None except for general regulations listed above.

1681a. Definitions; rules of construction.

Regulations: None except for general regulations listed above.

1681b. Permissible purposes of consumer reports.

Regulations: None except for general regulations listed above.

1681c. Reporting of obsolete information prohibited.

(a) Prohibited items.

(b) Exempted cases.

Regulations: None except for general regulations listed above.

1681d. Disclosure of investigative consumer reports.

(a) Disclosure of fact of preparation.

(b) Disclosure on request of nature and scope of

investigation.

(c) Limitation on liability upon showing of

reasonable procedures for compliance with

provisions.

Regulations: None except for general regulations listed above.

1681e. Compliance procedures.

(a) Identity and purposes of credit users.

(b) Accuracy of report.

Regulations: None except for general regulations listed above.

1681f. Disclosures to governmental agencies.

Regulations: None except for general regulations listed above.

1681g. Disclosures to consumers.

(a) Information on file; sources; report recipients.

(b) Exempt information.

Regulations: None except for general regulations listed above.

1681h. Conditions of disclosure to consumers.

(a) Times and notice.

(b) Identification of consumer.

(c) Trained personnel.

(d) Persons accompanying consumer.

(e) Limitation of liability.

Regulations: None except for general regulations listed above.

1681i. Procedure in case of disputed accuracy.

(a) Dispute; reinvestigation.

(b) Statement of dispute.

(c) Notification of consumer dispute in subsequent

consumer reports.

(d) Notification of deletion of disputed information.

Regulations: None except for general regulations listed above.

1681j. Charges for disclosures.

Regulations: None except for general regulations listed above.

1681k. Public record information for employment purposes.

Regulations: None except for general regulations listed above.

1681l. Restrictions on investigative consumer reports.

Regulations: None except for general regulations listed above.

1681m. Requirements on users of consumer reports.

(a) Adverse action based on reports of consumer

reporting agencies.

(b) Adverse action based on reports of persons other

than consumer reporting agencies.

(c) Reasonable procedures to assure compliance.

Regulations: None except for general regulations listed above.

1681n. Civil liability for willful noncompliance.

Regulations: None except for general regulations listed above.

1681o. Civil liability for negligent noncompliance.

Regulations: None except for general regulations listed above.

1681p. Jurisdiction of courts; limitation of actions.

Regulations: None except for general regulations listed above.

1681q. Obtaining information under false pretenses.

Regulations: None except for general regulations listed above.

1681r. Unauthorized disclosures by officers or employees.

Regulations: None except for general regulations listed above.

1681s. Administrative enforcement.

(a) Federal Trade Commission; powers.

(b) Other administrative bodies.

(c) Enforcement under other authority.

Regulations: 16 CFR § 600

1681s-1. Information on overdue child support obligations.

Regulations: None except for general regulations listed above.

1681t. Relation to State laws.

Regulations: None except for general regulations listed above.

1681u. Disclosures to FBI for counterintelligence purposes.

(a) Identity of financial institutions.

(b) Identifying information.

(c) Court order for disclosure of consumer reports.

(d) Confidentiality.

(e) Payment of fees.

(f) Limit on dissemination.

(g) Rules of construction.

(h) Reports to Congress.

(i) Damages.

(j) Disciplinary actions for violations.

(k) Good-faith exception.

(l) Limitation of remedies.

(m) Injunctive relief.

Regulations: None except for general regulations listed above.

SUBCHAPTER IV - EQUAL CREDIT OPPORTUNITY

Regulations: §§ 1691 et seq., 12 CFR §§ 27, 202, 202a, 338, 613.

1691. Scope of prohibition.

(a) Activities constituting discrimination.

(b) Activities not constituting discrimination.

(c) Additional activities not constituting

discrimination.

(d) Reason for adverse action; procedure applicable;

''adverse action'' defined.

(e) Appraisals; copies of reports to applicants;

costs.

Regulations: 12 CFR §§ 202, 523, 528, 531, 566; 13 CFR § 113.

1691a. Definitions; rules of construction.

Regulations: 12 CFR § 523, 528, 566.

1691b. Promulgation of regulations by Board; establishment of

Consumer Advisory Council by Board; duties, membership, etc., of

Council.

(a) Regulations.

(b) Consumer Advisory Council.

Regulations: None except for general regulations listed above.

1691c. Administrative enforcement.

(a) Enforcing agencies.

(b) Violations of subchapter deemed violations of

pre-existing statutory requirements; additional

agency powers.

(c) Overall enforcement authority of Federal Trade

Commission.

(d) Rules and regulations by enforcing agencies.

Regulations: None except for general regulations listed above.

1691d. Applicability of other laws.

(a) Requests for signature of husband and wife for

creation of valid lien, etc.

(b) State property laws affecting creditworthiness.

(c) State laws prohibiting separate extension of

consumer credit to husband and wife.

(d) Combining credit accounts of husband and wife

with same creditor to determine permissible

finance charges or loan ceilings under Federal

or State laws.

(e) Election of remedies under subchapter or State

law; nature of relief determining

applicability.

(f) Compliance with inconsistent State laws;

determination of inconsistency.

(g) Exemption by regulation of credit transactions

covered by State law; failure to comply with

State law.

Regulations: None except for general regulations listed above.

1691e. Civil liability.

(a) Individual or class action for actual damages.

(b) Recovery of punitive damages in individual and

class action for actual damages; exemptions;

maximum amount of punitive damages in

individual actions; limitation on total

recovery in class actions; factors determining

amount of award.

(c) Action for equitable and declaratory relief.

(d) Recovery of costs and attorney fees.

(e) Good faith compliance with rule, regulation, or

interpretation of Board or interpretation or

approval by an official or employee of Federal

Reserve System duly authorized by Board.

(f) Jurisdiction of courts; time for maintenance of

action; exceptions.

(g) Request by responsible enforcement agency to

Attorney General for civil action.

(h) Authority for Attorney General to bring civil

action; jurisdiction.

(i) Recovery under both subchapter and fair housing

enforcement provisions prohibited for violation

based on same transaction.

(j) Discovery of creditor's granting standards.

(k) Notice to HUD of violations.

Regulations: None except for general regulations listed above.

1691f. Annual reports to Congress; contents.

Regulations: None except for general regulations listed above.

SUBCHAPTER V - DEBT COLLECTION PRACTICES

1692. Congressional findings and declaration of purpose.

(a) Abusive practices.

(b) Inadequacy of laws.

(c) Available non-abusive collection methods.

(d) Interstate commerce.

(e) Purposes.

Regulations: None except for general regulations listed above.

1692a. Definitions.

Regulations: None except for general regulations listed above.

1692b. Acquisition of location information.

Regulations: None except for general regulations listed above.

1692c. Communication in connection with debt collection.

(a) Communication with the consumer generally.

(b) Communication with third parties.

(c) Ceasing communication.

(d) ''Consumer'' defined.

Regulations: None except for general regulations listed above.

1692d. Harassment or abuse.

Regulations: None except for general regulations listed above.

1692e. False or misleading representations.

Regulations: None except for general regulations listed above.

1692f. Unfair practices.

Regulations: None except for general regulations listed above.

1692g. Validation of debts.

(a) Notice of debt; contents.

(b) Disputed debts.

(c) Admission of liability.

Regulations: None except for general regulations listed above.

1692h. Multiple debts.

Regulations: None except for general regulations listed above.

1692i. Legal actions by debt collectors.

(a) Venue.

(b) Authorization of actions.

Regulations: None except for general regulations listed above.

1692j. Furnishing certain deceptive forms.

Regulations: None except for general regulations listed above.

1692k. Civil liability.

(a) Amount of damages.

(b) Factors considered by court.

(c) Intent.

(d) Jurisdiction.

(e) Advisory opinions of Commission.

Regulations: None except for general regulations listed above.

1692l. Administrative enforcement.

(a) Federal Trade Commission.

(b) Applicable provisions of law.

(c) Agency powers.

(d) Rules and regulations.

Regulations: None except for general regulations listed above.

1692m. Reports to Congress by the Commission; views of other

Federal agencies.

Regulations: None except for general regulations listed above.

1692n. Relation to State laws.

Regulations: None except for general regulations listed above.

1692o. Exemption for State regulation.

Regulations: 16 CFR § 901

SUBCHAPTER VI - ELECTRONIC FUND TRANSFERS

Regulations: §§ 1693 et seq., 12 CFR §§ 533, 555; §§ 1693-1693r, 12 CFR § 556.

1693. Congressional findings and declaration of purpose.

(a) Rights and liabilities undefined.

(b) Purposes.

Regulations: None except for general regulations listed above.

1693a. Definitions.

Regulations: None except for general regulations listed above.

1693b. Regulations.

(a) Prescription by Board.

(b) Issuance of model clauses.

(c) Criteria; modification of requirements.

(d) Availability of disclosures, protections,

responsibilities, and remedies created by this

subchapter.

Regulations: None except for general regulations listed above.

1693c. Terms and conditions of transfers.

(a) Disclosures; time; form; contents.

(b) Notification of changes to consumer.

(c) Time for disclosures respecting accounts

accessible prior to effective date of this

subchapter.

Regulations: None except for general regulations listed above.

1693d. Documentation of transfers.

(a) Availability of written documentation to

consumer; contents.

(b) Notice of credit to consumer.

(c) Periodic statement; contents.

(d) Consumer passbook accounts.

(e) Accounts other than passbook accounts.

(f) Documentation as evidence.

Regulations: None except for general regulations listed above.

1693e. Preauthorized transfers.

Regulations: None except for general regulations listed above.

1693f. Error resolution.

(a) Notification to financial institution of error.

(b) Correction of error; interest.

(c) Provisional recredit of consumer's account.

(d) Absence of error; finding; explanation.

(e) Treble damages.

(f) Acts constituting error.

Regulations: None except for general regulations listed above.

1693g. Consumer liability.

(a) Unauthorized electronic fund transfers; limit.

(b) Burden of proof.

(c) Determination of limitation on liability.

(d) Restriction on liability.

(e) Scope of liability.

Regulations: None except for general regulations listed above.

1693h. Liability of financial institutions.

(a) Action or failure to act proximately causing

damages.

(b) Acts of God and technical malfunctions.

(c) Intent.

Regulations: None except for general regulations listed above.

1693i. Issuance of cards or other means of access.

(a) Prohibition; proper issuance.

(b) Exceptions.

(c) Validation.

Regulations: None except for general regulations listed above.

1693j. Suspension of obligations.

Regulations: None except for general regulations listed above.

1693k. Compulsory use of electronic fund transfers.

Regulations: None except for general regulations listed above.

1693l. Waiver of rights.

Regulations: None except for general regulations listed above.

1693m. Civil liability.

(a) Individual or class action for damages; amount of

award.

(b) Factors determining amount of award.

(c) Unintentional violations; bona fide error.

(d) Good faith compliance with rule, regulation, or

interpretation of Board or approval of duly

authorized official or employee of Federal

Reserve System.

(e) Notification to consumer prior to action;

adjustment of consumer's account.

(f) Action in bad faith or for harassment; attorney's

fees.

(g) Jurisdiction of courts; time for maintenance of

action.

Regulations: None except for general regulations listed above.

1693n. Criminal liability.

(a) Violations respecting giving of false or

inaccurate information, failure to provide

information, and failure to comply with

provisions of this subchapter.

(b) Violations affecting interstate or foreign

commerce.

(c) ''Debit instrument'' defined.

Regulations: None except for general regulations listed above.

1693o. Administrative enforcement.

(a) Enforcing agencies.

(b) Violations of subchapter deemed violations of

pre-existing statutory requirements; additional

powers.

(c) Overall enforcement authority of Federal Trade

Commission.

Regulations: None except for general regulations listed above.

1693p. Reports to Congress.

Regulations: None except for general regulations listed above.

1693q. Relation to State laws.

Regulations: None except for general regulations listed above.

1693r. Exemption for State regulation.

Regulations: None except for general regulations listed above.

CITE-

15 USC Sec. 2078 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 47 - CONSUMER PRODUCT SAFETY

-HEAD-

Sec. 2078. Cooperation with States and other Federal agencies

Regulations: None

Regulations for 15 U.S.C. §§ 5701 et seq., 16 CFR § 308.

-CITE-

15 USC Sec. 5721 01/16/96

-EXPCITE-

TITLE 15 - COMMERCE AND TRADE

CHAPTER 83 - TELEPHONE DISCLOSURE AND DISPUTE RESOLUTION

SUBCHAPTER II - BILLING AND COLLECTION

-HEAD-

Sec. 5721. Regulations

Regulations: None other than general application regulations.

Title 18 United States Code

-CITE-

18 USC Sec. 1001 01/16/96

-EXPCITE-

TITLE 18 - CRIMES AND CRIMINAL PROCEDURE

PART I - CRIMES

CHAPTER 47 - FRAUD AND FALSE STATEMENTS

-HEAD-

Sec. 1001. Statements or entries generally

This is an important section relating to Federal civil and criminal prosecution, as it appears to be the hinge section relating to the "United States of America" as a principal of interest. The "United States" is the constitutionally authentic principal of interest in the constitutional context Ð the United States must initiate civil and criminal prosecution where there is legitimate cause. However, since approximately the 1930's, Federal civil and criminal complaints have issued in the name and by authority of the "United States of America". This entity is not the original; it is a political compact or alliance for Federal territories and insular possessions. It came into being some time after 1908 and before 1918. The original 18 U.S.C. § 1001 was 18 U.S.C. § 80 in 1934 & 1940 editions of the United States Code. See notes following the current 18 U.S.C. § 1001 to find that phrasing which specified the "United States of America" was edited out since this entity is defined as an agency of the United States (see definitions at 18 U.S.C. § 6).

Regulations: 7 CFR § 1443 & 32 CFR § 525/

Title 20 United States Code

-SECREF-

CHAPTER REFERRED TO IN OTHER SECTIONS

This chapter is referred to in title 11 section 523.

-CITE-

20 USC Sec. 1085 01/16/96

-EXPCITE-

TITLE 20 - EDUCATION

CHAPTER 28 - HIGHER EDUCATION RESOURCES AND STUDENT ASSISTANCE

SUBCHAPTER IV - STUDENT ASSISTANCE

Part B - Federal Family Education Loan Program

-HEAD-

Sec. 1085. Definitions for student loan insurance program

Regulations: 34 CFR §§ 600-603, 668, 682.

Title 28 United States Code

-CITE-

28 USC Sec. 3002 01/16/96

-EXPCITE-

TITLE 28 - JUDICIARY AND JUDICIAL PROCEDURE

PART VI - PARTICULAR PROCEEDINGS

CHAPTER 176 - FEDERAL DEBT COLLECTION PROCEDURE

SUBCHAPTER A - DEFINITIONS AND GENERAL PROVISIONS

-HEAD-

Sec. 3002. Definitions

Regulations: None

-CITE-

28 USC Sec. 3003 01/16/96

-EXPCITE-

TITLE 28 - JUDICIARY AND JUDICIAL PROCEDURE

PART VI - PARTICULAR PROCEEDINGS

CHAPTER 176 - FEDERAL DEBT COLLECTION PROCEDURE

SUBCHAPTER A - DEFINITIONS AND GENERAL PROVISIONS

-HEAD-

Sec. 3003. Rules of construction

Regulations: None

NOTE: 31 U.S.C. §§ 3701 et seq., relate to determination of liability of and to the United States, with the General Accounting Office as general agent of the United States. Sections from Title 31 have not been completely researched and loaded into the master file of Code sections; work continues. The key section for GAO responsibility for determination is § 3702. Regulations for more than one section are cited prior to those sections they apply to. Any and all government agencies must secure a GAO determination of liability prior to initiating litigation for collection; this includes agencies in charge of revenue, banking institutions any time they are acting as "fiscal agent" of the United States, which is the case for all lending. Additionally, whenever suit issues against the United States, the litigant must submit his claim to GAO for a determination of liability or he has no standing to sue Ð he "fails to state a claim for which relief may be granted."

General Regulations: §§ 3711 et seq., 4 CFR § 102; 22 CFR § 512; 29 CFR § 20; 40 CFR § 13; 44 CFR § 11; 47 CFR § 1; 49 CFR § 1018 -- §§ 3711-3719, 38 CFR § 1.

Title 31 United States Code

-CITE-

31 USC Sec. 101 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 1 - DEFINITIONS

-HEAD-

Sec. 101. Agency

-STATUTE-

In this title, ''agency'' means a department, agency, or

instrumentality of the United States Government.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 877.)

REGULATIONS: No implementing regulations.

-CITE-

31 USC Sec. 102 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 1 - DEFINITIONS

-HEAD-

Sec. 102. Executive agency

-STATUTE-

In this title, ''executive agency'' means a department, agency,

or instrumentality in the executive branch of the United States

Government.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 877.)

REGULATIONS: None.

-CITE-

31 USC Sec. 103 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 1 - DEFINITIONS

-HEAD-

Sec. 103. United States

-STATUTE-

In this title, ''United States'', when used in a geographic

sense, means the States of the United States and the District of

Columbia.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 877.)

REGULATIONS: None.

-CITE-

31 USC Sec. 302 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 3 - DEPARTMENT OF THE TREASURY

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 302. Treasury of the United States

-STATUTE-

The United States Government has a Treasury of the United States.

The Treasury is in the Department of the Treasury.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 879.)

REGULATIONS: None.

-CITE-

31 USC Sec. 305 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 3 - DEPARTMENT OF THE TREASURY

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 305. Federal Financing Bank

-STATUTE-

The Federal Financing Bank, established under section 4 of the

Federal Financing Bank Act of 1973 (12 U.S.C. 2283), is subject to

the direction and supervision of the Secretary of the Treasury.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 879.)

REGULATIONS: None.

-CITE-

31 USC Sec. 306 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 3 - DEPARTMENT OF THE TREASURY

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 306. Fiscal Service

-STATUTE-

(a) The Fiscal Service is a service in the Department of the

Treasury.

(b) The head of the Fiscal Service is the Fiscal Assistant

Secretary appointed under section 301(d) of this title.

(c) The Fiscal Service has a -

(1) Bureau of Government Financial Operations, having as its

head a Commissioner of Government Financial Operations; and

(2) Bureau of the Public Debt, having as its head a

Commissioner of the Public Debt.

(d) The Secretary of the Treasury may designate another officer

of the Department to act as the Fiscal Assistant Secretary when the

Fiscal Assistant Secretary is absent or unable to serve or when the

office of Fiscal Assistant Secretary is vacant.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 879.)

REGULSTIONS: None.

-CITE-

31 USC Sec. 307 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 3 - DEPARTMENT OF THE TREASURY

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 307. Office of the Comptroller of the Currency

-STATUTE-

The Office of the Comptroller of the Currency, established under

section 324 of the Revised Statutes (12 U.S.C. 1), is an office in

the Department of the Treasury.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 880.)

REGULATIONS: None.

-CITE-

31 USC Sec. 321 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 3 - DEPARTMENT OF THE TREASURY

SUBCHAPTER II - ADMINISTRATIVE

-HEAD-

Sec. 321. General authority of the Secretary

REGULATIONS: 31 CFR §§ 1, 2, 10, 19, 21, 25, 26, 205, 206, 210, 337, 413, 601.

-CITE-

31 USC Sec. 333 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 3 - DEPARTMENT OF THE TREASURY

SUBCHAPTER II - ADMINISTRATIVE

-HEAD-

Sec. 333. Prohibition of misuse of Department of the Treasury

names, symbols, etc.

REGULATIONS: No implementing regulations.

-CITE-

31 USC Sec. 501 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 5 - OFFICE OF MANAGEMENT AND BUDGET

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 501. Office of Management and Budget

-STATUTE-

The Office of Management and Budget is an office in the Executive

Office of the President.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 886.)

REGULATIONS: None.

-CITE-

31 USC Sec. 503 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 5 - OFFICE OF MANAGEMENT AND BUDGET

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 503. Functions of Deputy Director for Management

-STATUTE-

(a) Subject to the direction and approval of the Director, the

Deputy Director for Management shall establish governmentwide

financial management policies for executive agencies and shall

perform the following financial management functionsÉ

REGULATIONS: 22 CFR § 518.

-CITE-

31 USC Sec. 504 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 5 - OFFICE OF MANAGEMENT AND BUDGET

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 504. Office of Federal Financial Management

REGULATIONS: None.

-CITE-

31 USC Sec. 505 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 5 - OFFICE OF MANAGEMENT AND BUDGET

SUBCHAPTER I - ORGANIZATION

-HEAD-

Sec. 505. Office of Information and Regulatory Affairs

-STATUTE-

The Office of Information and Regulatory Affairs, established

under section 3503 of title 44, is an office in the Office of

Management and Budget.

REGULATIONS: None.

NOTE: The General Accounting Office is general agent of the Treasury of the United States, effective June 10, 1921. The office was created after the Independent Treasury Act; what were previously Treasury officers were transferred to GAO. This is a most important office as it is "delegate of the Secretary" for some purposes, but for the most part, operates independently. GAO is responsible for determining all claims of the United States, and all claims against the United States. Without a GAO determination of liability, government agencies may not sustain collection actions except in rare cases, and litigation for collection of claims against Federal government may not be maintained. Rather than listing each section relating to GAO organization and basic authority, the table of contents for Chapter 7, Title 31 has been pasted into text below, with implementing regulations inserted.

-CITE-

31 USC CHAPTER 7 - GENERAL ACCOUNTING OFFICE 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 7 - GENERAL ACCOUNTING OFFICE

-HEAD-

CHAPTER 7 - GENERAL ACCOUNTING OFFICE

-MISC1-

SUBCHAPTER I - DEFINITIONS AND GENERAL ORGANIZATION

Sec.

701. Definitions.

REGULATIONS: None.

702. General Accounting Office.

REGULATIONS: None.

703. Comptroller General and Deputy Comptroller General.

REGULATIONS: None.

704. Relationship to other laws.

REGULATIONS: None.

SUBCHAPTER II - GENERAL DUTIES AND POWERS

711. General authority.

REGULATIONS: 4 CFR §§ 11, 30-36, 51-53, 75, 81-83, 91, 92; 43 CFR § 17.

712. Investigating the use of public money.

REGULATIONS: None.

713. Audit of Internal Revenue Service and Bureau of Alcohol,

Tobacco, and Firearms.

REGULATIONS: 4 CFR § 82.

714. Audit of Financial Institutions Examination Council, Federal

Reserve Board, Federal reserve banks, Federal Deposit Insurance

Corporation, and Office of Comptroller of the Currency.

REGULATION: 4 CFR § 82.

715. Audit of accounts and operations of the District of Columbia

government.

REGULATIONS: None.

716. Availability of information and inspection of records.

REGULATIONS: None.

717. Evaluating programs and activities of the United States

Government.

REGULATIONS: None.

718. Availability of draft reports.

REGULATION: 4 CFR § 82.

719. Comptroller General reports.

REGULATIONS: None.

720. Agency reports.

REGULATIONS: None.

SUBCHAPTER III Ð PERSONNEL

GENERAL APPLICATION REGULATIONS for 31 U.S.C. §§ 731 et seq., 4 CFR § 83.

731. General.

REGULATIONS: General only.

732. Personnel management system.

RETULATIONS: 4 CFR §§ 2-8.

733. Senior Executive Service.

REGULATIONS: 4 CFR § 9.

734. Assignments and details to Congress.

REGULATIONS: General only.

735. Relationship to other laws.

REGULATIONS: General only.

736. Authorization of appropriations.

REGULATIONS: General only.

SUBCHAPTER IV - PERSONNEL APPEALS BOARD

REGULATIONS FOR MULTIPLE SECTIONS: §§ 752-754b, 31 CFR § 347; §§ 752-752a, 31 CFR §§ 328, 340, 341, 350.

751. Organization.

REGULATIONS: General only.

752. Chairman and General Counsel.

REGULATION: 31 CFR §§ 308, 346.

753. Duties and powers.

REGULATIONS: 4 CFR §§ 27-29; 31 CFR §§ 308, 328, 339-341, 350.

754. Action by the Comptroller General.

Regulations: 31 CFR §§ 308, 309, 328, 340, 345, 350.

755. Judicial review.

REGULATIONS: None.

SUBCHAPTER V Ð ANNUITIES

771. Definitions.

REGULATIONS: None.

772. Annuity of the Comptroller General.

REGULATIONS: None.

773. Election of survivor benefits.

REGULATIONS: None.

774. Survivor annuities.

REGULATIONS: None.

775. Refunds.

REGULATIONS: None.

776. Payment of survivor benefits.

REGULATIONS: None.

777. Annuity increases.

REGULATIONS: None.

778. Dependency and disability decisions.

REGULATIONS: None.

779. Use of appropriations.

REGULATIONS: None.

SUBCHAPTER VI - PROPERTY MANAGEMENT

781. Authority over the General Accounting Office Building.

REGULATIONS: None.

782. Leasing of space in the General Accounting Office Building.

REGULATIONS: None.

783. Rules and regulations.

REGULATIONS: 4 CFR § 25.

NOTE: 31 U.S.C. §§ 901 et seq. comprise an important chapter as it establishes the office of chief financial officer and lower financial officers in the various government agencies. The withholding agent for each of these Federal entities is "the person liable" for withholding, reporting and paying Internal Revenue Code Subtitle A & C taxes.

-CITE-

31 USC Sec. 901 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 9 - AGENCY CHIEF FINANCIAL OFFICERS

-HEAD-

Sec. 901. Establishment of agency Chief Financial Officers

-STATUTE-

(a) There shall be within each agency described in subsection (b)

an agency Chief Financial Officer. Each agency Chief Financial

Officer shall -

(1) for those agencies described in subsection (b)(1) -

(A) be appointed by the President, by and with the advice and

consent of the Senate; or

(B) be designated by the President, in consultation with the

head of the agency, from among officials of the agency who are

required by law to be so appointed;

(2) for those agencies described in subsection (b)(2) -

(A) be appointed by the head of the agency;

(B) be in the competitive service or the senior executive

service; and

(C) be career appointees; and

(3) be appointed or designated, as applicable, from among

individuals who possess demonstrated ability in general

management of, and knowledge of and extensive practical

experience in financial management practices in large

governmental or business entities.

(b)(1) The agencies referred to in subsection (a)(1) are the

following:

(A) The Department of Agriculture.

(B) The Department of Commerce.

(C) The Department of Defense.

(D) The Department of Education.

(E) The Department of Energy.

(F) The Department of Health and Human Services.

(G) The Department of Housing and Urban Development.

(H) The Department of the Interior.

(I) The Department of Justice.

(J) The Department of Labor.

(K) The Department of State.

(L) The Department of Transportation.

(M) The Department of the Treasury.

(N) The Department of Veterans Affairs.

(O) The Environmental Protection Agency.

(P) The National Aeronautics and Space Administration.

(2) The agencies referred to in subsection (a)(2) are the

following:

(A) The Agency for International Development.

(B) The Federal Emergency Management Agency.

(C) The General Services Administration.

(D) The National Science Foundation.

(E) The Nuclear Regulatory Commission.

(F) The Office of Personnel Management.

(G) The Small Business Administration.

(H) The Social Security Administration.

REGULATIONS: No implementing regulations. However, under authority of 5 U.S.C. § 301 & 44 U.S.C. § 1505(a), it is not necessary to publish regulations when any given section of the Code is applicable exclusively to government and government officers and employees.

-CITE-

31 USC Sec. 902 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE I - GENERAL

CHAPTER 9 - AGENCY CHIEF FINANCIAL OFFICERS

-HEAD-

Sec. 902. Authority and functions of agency Chief Financial

Officers

REGULATIONS: 10 CFR § 170.

-CITE-

31 USC Sec. 3122 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 31 - PUBLIC DEBT

SUBCHAPTER II - ADMINISTRATIVE

-HEAD-

Sec. 3122. Banks and trust companies as depositaries

-STATUTE-

(a) The Secretary of the Treasury may designate incorporated

banks and trust companies as depositaries for any part of proceeds

of an obligation issued under this chapter. The Secretary may

prescribe the conditions under which deposits may be made under

this section, including the interest rate on amounts deposited and

security requirements.

(b) The Secretary may designate a bank or trust company that is a

depositary under subsection (a) of this section as a fiscal agent

of the United States Government in selling and delivering bonds and

certificates of indebtedness issued by the Government.

REGULATIONS: 31 CFR §§ 203, 214 & 306.

-CITE-

31 USC Sec. 3301 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 33 - DEPOSITING, KEEPING, AND PAYING MONEY

SUBCHAPTER I - DEPOSITS AND DEPOSITARIES

-HEAD-

Sec. 3301. General duties of the Secretary of the Treasury

-STATUTE-

(a) The Secretary of the Treasury shall -

(1) receive and keep public money;

(2) take receipts for money paid out by the Secretary;

(3) give receipts for money deposited in the Treasury;

(4) endorse warrants for receipts for money deposited in the

Treasury;

(5) submit the accounts of the Secretary to the Comptroller

General every 3 months, or more often if required by the

Comptroller General; and

(6) submit to inspection at any time by the Comptroller General

of money in the possession of the Secretary.

(b) Except as provided in section 3326 of this title, an

acknowledgment for money deposited in the Treasury is not valid if

the Secretary does not endorse a warrant as required by subsection

(a)(4) of this section.

REGULATION: 31 CFR § 206.

-CITE-

31 USC Sec. 3302 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 33 - DEPOSITING, KEEPING, AND PAYING MONEY

SUBCHAPTER I - DEPOSITS AND DEPOSITARIES

-HEAD-

Sec. 3302. Custodians of money

-STATUTE-

(a) Except as provided by another law, an official or agent of

the United States Government having custody or possession of public

money shall keep the money safe without -

(1) lending the money;

(2) using the money;

(3) depositing the money in a bank; and

(4) exchanging the money for other amounts.

(b) Except as provided in section 3718(b) (FOOTNOTE 1) of this

title, an official or agent of the Government receiving money for

the Government from any source shall deposit the money in the

Treasury as soon as practicable without deduction for any charge or

claim.

(FOOTNOTE 1) See References in Text note below.

(c)(1) A person having custody or possession of public money,

including a disbursing official having public money not for current

expenditure, shall deposit the money without delay in the Treasury

or with a depositary designated by the Secretary of the Treasury

under law. Except as provided in paragraph (2), money required to

be deposited pursuant to this subsection shall be deposited not

later than the third day after the custodian receives the money.

The Secretary or a depositary receiving a deposit shall issue

duplicate receipts for the money deposited. The original receipt

is for the Secretary and the duplicate is for the custodian.

(2) The Secretary of the Treasury may by regulation prescribe

that a person having custody or possession of money required by

this subsection to be deposited shall deposit such money during a

period of time that is greater or lesser than the period of time

specified by the second sentence of paragraph (1).

(d) An official or agent not complying with subsection (b) of

this section may be removed from office. The official or agent may

be required to forfeit to the Government any part of the money held

by the official or agent and to which the official or agent may be

entitled.

(e) An official or agent of the Government having custody or

possession of public money shall keep an accurate entry of each

amount of public money received, transferred, and paid.

(f) When authorized by the Secretary, an official or agent of the

Government having custody or possession of public money, or

performing other fiscal agent services, may be allowed necessary

expenses to collect, keep, transfer, and pay out public money and

to perform those services. However, money appropriated for those

expenses may not be used to employ or pay officers and employees of

the Government.

REGULATIONS: 31 CFR § 206.

-CITE-

31 USC Sec. 3303 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 33 - DEPOSITING, KEEPING, AND PAYING MONEY

SUBCHAPTER I - DEPOSITS AND DEPOSITARIES

-HEAD-

Sec. 3303. Designation of depositaries

-STATUTE-

(a) The Secretary of the Treasury designates depositaries of

money as provided in this section and under other law.

(b) When necessary to carry out the business of the United States

Government and under conditions the Secretary decides are

necessary, the Secretary may designate depositaries in foreign

countries and in territories and possessions of the United States

to receive deposits of public money. The Secretary shall give

preference to United States financial institutions the Secretary

decides are safe and able to give the service required.

REGULATIONS: None.

-CITE-

31 USC Sec. 3522 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3522. Making and submitting accounts

-STATUTE-

(a)(1) Unless the Comptroller General decides the public interest

requires that an account be made more frequently, each disbursing

official shall make a quarterly account. An official or agent of

the United States Government receiving public money not authorized

to be kept as pay of the official or agent shall make a monthly

account of the money.

(2) An official or agent of the Government receiving public money

shall make an account of public money received by the official or

agent according to the appropriation from which the money was

advanced.

(b)(1) A monthly account shall be submitted to the appropriate

official in the District of Columbia by the 10th day after the end

of the month covered by the account. The official shall submit the

account to the Comptroller General by the 20th day after receiving

the account.

(2) An account (except a monthly account) shall be submitted to

the appropriate official in the District of Columbia by the 20th

day after the end of the period covered by the account. The

official shall submit the account to the Comptroller General by the

60th day after receiving the account.

(3) Notwithstanding paragraphs (1) and (2) of this subsection, an

account of the armed forces shall be submitted to the Comptroller

General by the 60th day after the account is received. However,

during a war or national emergency and for 18 months after the war

or emergency ends, an account shall be submitted to the Comptroller

General by the 90th day after the account is received.

(4) Notwithstanding paragraphs (1) and (2) of this subsection, an

account of a disbursing official of the Department of Justice shall

be submitted to the Comptroller General by the 80th day after the

account is received.

(c) An official shall give evidence of compliance with subsection

(b) of this section if an account is not received within a

reasonable time after the time required by subsection (b).

(d) The head of an agency may require other returns or reports

about the agency that the public interest requires.

(e)(1) The Comptroller General shall disapprove a requisition for

an advance of money if an account from which the advance is to be

made is not submitted to the Comptroller General within the time

required by subsection (b) of this section. The Comptroller

General may disapprove the request for another reason related to

the condition of an account of the official for whom the advance is

requested. However, the Secretary of the Treasury may overrule the

decision of the Comptroller General on the sufficiency of the other

reasons.

(2) The Secretary may extend the time requirements of subsection

(b)(1) and (2) of this section for submitting an account to the

proper official in the District of Columbia or waive a condition of

delinquency only when there is, or is likely to be, a manifest

physical difficulty in complying with those requirements. If an

account is not submitted to the Comptroller General on time under

subsection (b), an order of the President or, if the President is

ill or not in the District of Columbia, the Secretary is required

to authorize an advance.

REGULATION: None.

-CITE-

31 USC Sec. 3523 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3523. General audit authority of the Comptroller General

RETULATIONS: 4 CFR §§ 52 & 82.

-CITE-

31 USC Sec. 3525 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3525. Auditing nonappropriated fund activities

-STATUTE-

(a) The Comptroller General may audit -

(1) the operations and accounts of each nonappropriated fund

and related activities authorized or operated by the head of an

executive agency to sell goods or services to United States

Government personnel and their dependents;

(2) accounting systems and internal controls of the fund and

related activities; and

(3) internal or independent audits or reviews of the fund and

related activities.

(b) The head of each executive agency promptly shall provide the

Comptroller General with -

(1) a copy of the annual report of a nonappropriated fund and

related activities subject to this section when the Comptroller

General -

(A) requires a report for a designated class of each fund and

related activities having gross sales receipts of more than

$100,000 a year; or

(B) specifically requests a report for another fund and

related activities; and

(2) a statement on the yearly financial operations, financial

condition, and cash flow and other yearly information about the

fund and related activities that the head of the agency and the

Comptroller General agree on if the information is not included

in the annual report.

(c) Records and property of a fund and related activities subject

to this section shall be made available to the Comptroller General

to the extent the Comptroller General considers necessary.

REGULATIONS: None.

-CITE-

31 USC Sec. 3526 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3526. Settlement of accounts

-STATUTE-

(a) The Comptroller General shall settle all accounts of the

United States Government and supervise the recovery of all debts

finally certified by the Comptroller General as due the Government.

(b) A decision of the Comptroller General under section 3529 of

this title is conclusive on the Comptroller General when settling

the account containing the payment.

(c)(1) The Comptroller General shall settle an account of an

accountable official within 3 years after the date the Comptroller

General receives the account. A copy of the certificate of

settlement shall be provided the official.

(2) The settlement of an account is conclusive on the Comptroller

General after 3 years after the account is received by the

Comptroller General. However, an amount may be charged against the

account after the 3-year period when the Government has or may have

lost money because the official acted fraudulently or criminally.

(3) A 3-year period under this subsection is suspended during a

war.

(4) This subsection does not prohibit -

(A) recovery of public money illegally or erroneously paid;

(B) recovery from an official of a balance due the Government

under a settlement within the 3-year period; or

(C) an official from clearing an account of questioned items as

prescribed by law.

(d) On settling an account of the Government, the balance

certified by the Comptroller General is conclusive on the executive

branch of the Government. On the initiative of the Comptroller

General or on request of an individual whose accounts are settled

or the head of the agency to which the account relates, the

Comptroller General may change the account within a year after

settlement. The decision of the Comptroller General to change the

account is conclusive on the executive branch.

(e) When an amount of money is expended under law for a treaty or

relations with a foreign country, the President may -

(1) authorize the amount to be accounted for each year

specifically by settlement of the Comptroller General when the

President decides the amount expended may be made public; or

(2) make, or have the Secretary of State make, a certificate of

the amount expended if the President decides the amount is not to

be accounted for specifically. The certificate is a sufficient

voucher for the amount stated in the certificate.

(f) The Comptroller General shall keep all settled accounts,

vouchers, certificates, and related papers until they are disposed

of as prescribed by law.

(g) This subchapter does not prohibit the Comptroller General

from suspending an item in an account to get additional evidence or

explanations needed to settle an account.

REGULATIONS: 4 CFR §§ 52, 82.

-CITE-

31 USC Sec. 3527 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3527. General authority to relieve accountable officials and

agents from liability

REGULATIONS: None.

-CITE-

31 USC Sec. 3528 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3528. Responsibilities and relief from liability of certifying

officials

-STATUTE-

(a) A certifying official certifying a voucher is responsible for

-

(1) information stated in the certificate, voucher, and

supporting records;

(2) the computation of a certified voucher under this section

and section 3325 of this title;

(3) the legality of a proposed payment under the appropriation

or fund involved; and

(4) repaying a payment -

(A) illegal, improper, or incorrect because of an inaccurate

or misleading certificate;

(B) prohibited by law; or

(C) that does not represent a legal obligation under the

appropriation or fund involved.

(b)(1) The Comptroller General may relieve a certifying official

from liability when the Comptroller General decides that -

(A) the certification was based on official records and the

official did not know, and by reasonable diligence and inquiry

could not have discovered, the correct information; or

(B)(i) the obligation was incurred in good faith;

(ii) no law specifically prohibited the payment; and

(iii) the United States Government received value for payment.

(2) The Comptroller General may deny relief when the Comptroller

General decides the head of the agency did not carry out diligently

collection action under procedures prescribed by the Comptroller

General.

(c) The Comptroller General shall relieve a certifying official

from liability for an overpayment -

(1) to a common carrier under section 3726 of this title when

the Comptroller General decides the overpayment occurred only

because the administrative audit before payment did not verify

transportation rates, freight classifications, or land-grant

deductions; or

(2) provided under a Government bill of lading or

transportation request when the overpayment was the result of

using improper transportation rates or classifications or the

failure to deduct the proper amount under a land-grant law or

agreement.

(d) This section does not apply to disbursements of a military

department of the Department of Defense, except disbursements for

departmental pay and expenses in the District of Columbia.

REGULATIONS: None.

-CITE-

31 USC Sec. 3529 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3529. Requests for decisions of the Comptroller General

-STATUTE-

(a) A disbursing or certifying official or the head of an agency

may request a decision from the Comptroller General on a question

involving -

(1) a payment the disbursing official or head of the agency

will make; or

(2) a voucher presented to a certifying official for

certification.

(b) The Comptroller General shall issue a decision requested

under this section.

REGULATIONS: 4 CFR §§ 52 & 82.

-CITE-

31 USC Sec. 3530 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3530. Adjusting accounts

-STATUTE-

(a) An appropriation or fund currently available for the expense

of an accountable function shall be charged with an amount

necessary to adjust an account of an accountable official or agent

when -

(1) necessary to adjust the account for a loss to the United

States Government resulting from the fault or negligence of the

official or agent; and

(2) the head of the agency decides the loss is uncollectable.

(b) An adjustment does not affect the personal financial

liability of an official or agent for the loss.

(c) The Comptroller General shall prescribe regulations to carry

out subsection (a) of this section.

(d) Under procedures prescribed by the Comptroller General, the

head of an agency may charge the net amount of unpaid and overpaid

balances in individual pay accounts against the appropriation for

the fiscal year in which the balances occurred and from which the

accounts were payable. The net amount shall be credited to and

paid from the corresponding appropriation for the next fiscal year.

REGULATIONS: None.

-CITE-

31 USC Sec. 3531 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3531. Property returns

-STATUTE-

(a) The head of an executive department -

(1) shall certify to the Comptroller General a charge against

an official or agent entrusted with public property for the

department resulting from a loss to the United States Government

from the property because of fault of the official or agent; and

(2) may not forward the property to the Comptroller General.

(b)(1) A certificate under subsection (a) of this section shall

state -

(A) the condition of the property;

(B) that the official or agent has had a reasonable opportunity

to be heard but has not been relieved of liability; and

(C) that the certificate includes all charges not certified

previously.

(2) The effect of information in the certificate is the same as

if the Comptroller General had discovered the information when

auditing the account. The Comptroller General shall charge the

appropriate account for the amount of the loss.

(c) Except as provided in subsection (a) of this section, this

section does not affect the way a property return is made or

liability for property is decided.

REGULATIONS: None.

-CITE-

31 USC Sec. 3532 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER III - AUDITING AND SETTLING ACCOUNTS

-HEAD-

Sec. 3532. Notification of account deficiencies

-STATUTE-

An accounting official discovering a deficiency in an account of

an official of the United States Government having custody of

public money shall notify the head of the agency having

jurisdiction of the official of the kind and amount of the

deficiency.

REGULATIONS: None.

-CITE-

31 USC Sec. 3541 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER IV - COLLECTION

-HEAD-

Sec. 3541. Distress warrants

-STATUTE-

(a) When an official receiving public money before it is paid to

the Treasury or a disbursing or certifying official of the United

States Government does not submit an account or pay the money as

prescribed by law, the Comptroller General shall make the account

for the official and certify to the Secretary of the Treasury the

amount due the Government.

(b) The Secretary shall issue a distress warrant against the

official stating the amount due from the official and any amount

paid. The warrant shall be directed to the marshal of the district

in which the official resides. If the Secretary intends to take

and sell the property of an official that is located in a district

other than where the official resides, the warrant shall be

directed to the marshal of the district in which the official

resides and the marshal of the district in which the property is

located.

REGULATIONS: None.

-CITE-

31 USC Sec. 3542 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER IV - COLLECTION

-HEAD-

Sec. 3542. Carrying out distress warrants

-STATUTE-

(a) A marshal carrying out a distress warrant issued under

section 3541 of this title shall seize the personal property of the

official and sell the property after giving 10 days notice of the

sale. Notice shall be given by posting an advertisement of the

property to be sold in at least 2 public places in the town and

county in which the property was taken or the town and county in

which the owner of the property resides. If the property does not

satisfy the amount due under the warrant, the official may be sent

to prison until discharged by law.

(b)(1) The amount due under a warrant is a lien on the real

property of the official from the date the distress warrant is

issued. The lien shall be recorded in the office of the clerk of

the appropriate district court until discharged under law.

(2) If the personal property of the official is not enough to

satisfy a distress warrant, the marshal shall sell real property of

the official after advertising the property for at least 3 weeks in

at least 3 public places in the county or district where the

property is located. A buyer of the real property has valid title

against all persons claiming under the official.

(c) The official shall receive that part of the proceeds of a

sale remaining after the distress warrant is satisfied and the

reasonable costs and charges of the sale are paid.

REGULATIONS: None.

-CITE-

31 USC Sec. 3543 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER IV - COLLECTION

-HEAD-

Sec. 3543. Postponing a distress warrant proceeding

REGULATIONS: None.

-CITE-

31 USC Sec. 3544 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER IV - COLLECTION

-HEAD-

Sec. 3544. Rights and remedies of the United States Government

reserved

-STATUTE-

This subchapter does not affect a right or remedy the United

States Government has by law to recover a tax, debt, or demand.

REGULATIONS: None.

-CITE-

31 USC Sec. 3545 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER IV - COLLECTION

-HEAD-

Sec. 3545. Civil action to recover money

-STATUTE-

The Attorney General shall bring a civil action to recover an

amount due to the United States Government on settlement of the

account of a person accountable for public money when the person

neglects or refuses to pay the amount to the Treasury. Any

commission of that person and interest of 6 percent a year from the

time the money is received by the person until repaid to the

Treasury shall be added to the amount due on the account. The

commission is forfeited when judgment is obtained.

REGULATIONS: None.

GENERAL REGULATIONS for procurement protests, 31 U.S.C. §§ 3551-3556, 4 CFR § 21, 48 CFR § 2433.

-CITE-

31 USC Sec. 3551 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER V - PROCUREMENT PROTEST SYSTEM

-HEAD-

Sec. 3551. Definitions

-STATUTE-

In this subchapter -

(1) The term ''protest'' means a written objection by an

interested party to any of the following:

(A) A solicitation or other request by a Federal agency for

offers for a contract for the procurement of property or

services.

(B) The cancellation of such a solicitation or other request.

(C) An award or proposed award of such a contract.

(D) A termination or cancellation of an award of such a

contract, if the written objection contains an allegation that

the termination or cancellation is based in whole or in part on

improprieties concerning the award of the contract.

(2) The term ''interested party'', with respect to a contract

or proposed contract described in paragraph (1), means an actual

or prospective bidder or offeror whose direct economic interest

would be affected by the award of the contract or by failure to

award the contract.

(3) The term ''Federal agency'' has the meaning given such term

by section 3 of the Federal Property and Administrative Services

Act of 1949 (40 U.S.C. 472).

REGULATIONS: General application only.

-CITE-

31 USC Sec. 3552 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 35 - ACCOUNTING AND COLLECTION

SUBCHAPTER V - PROCUREMENT PROTEST SYSTEM

-HEAD-

Sec. 3552. Protests by interested parties concerning procurement

actions

-STATUTE-

A protest concerning an alleged violation of a procurement

statute or regulation shall be decided by the Comptroller General

if filed in accordance with this subchapter. An interested party

who has filed a protest under section 111(f) of the Federal

Property and Administrative Services Act of 1949 (40 U.S.C. 759(f))

with respect to a procurement or proposed procurement may not file

a protest with respect to that procurement under this subchapter.

REGULATIONS: General application regulations only.

NOTE: Chapter 37 of Title 31 U.S.C. establishes the claims process for debts owing to the United States and claims against the United States. Unless or until the General Accounting Office, as general agent of the Treasury of the United States, makes a determination of liability, a government agency cannot initiate civil litigation for collection, nor can anyone who alleges to have a claim against the government. For example, the GAO determination of liability is required by the Internal Revenue Code at 26 U.S.C. § 7401, and where the normal tax ("income tax") is concerned, by 5 U.S.C. § 5512. Without GAO and Attorney General determinations of liability, the government has "failed to state a claim for which relief can be granted."

-CITE-

31 USC CHAPTER 37 - CLAIMS 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 37 - CLAIMS

-HEAD-

CHAPTER 37 - CLAIMS

GENERAL APPLICATION REGULATIONS: §§ 3701 et seq., 34 CFR §§ 198, 204, 298, 44 CFR § 11; §§ 3701-3731, 45 CFR § 30; §§ 3701-3720A, 49 CFR § 89; §§ 3701-3719, 10 CFR §§ 15 & 1015, 12 CFR §§ 608 & 1408, 22 CFR §§ 34 & 109, 29 CFR § 1450, 41 CFR §§ 105-55.

-MISC1-

SUBCHAPTER I - GENERAL

Sec.

3701. Definitions and application.

REGULATIONS: 7 CFR §§ 3 & 792; 17 CFR § 204;22 CFR § 512; 29 CFR § 2609; 31 CFR §§ 5 & 391; 32 CFR §§ 842; 38 CFR § 1; 47 CFR § 1; 49 CFR § 1018.

3702. Authority of the Comptroller General to settle claims.

REGULATIONS: 4 CFR §§ 30, 31, 35 & 36.

SUBCHAPTER II - CLAIMS OF THE UNITED STATES GOVERNMENT

GENERAL APPLICATION REGULATIONS: §§ 3711 et seq., 4 CFR § 102; 22 CFR § 512; 29 CFR § 20; 40 CFR § 13; 44 CFR § 11; 47 CFR § 1; 49 CFR § 1018. §§ 3711-3719, 38 CFR § 1.

3711. Collection and compromise.

REGULATIONS: 4 CFR §§ 101, 103-105; 7 CFR §§ 3, 1956, 3711; 10 CFR § 16; 13 CFR § 140; 17 CFR § 204; 22 CFR § 1506; 24 CFR § 17; 31 CFR §§ 5, 240, 391; 34 CFR §§ 30, 31; 42 CFR §§ 401, 405, 408; 45 CFR §§ 31, 708, 1177; 49 CFR § 1.

3712. Time limitations for presenting certain claims of the

Government.

GENERAL APPLICATION REGULATIONS ONLY.

3713. Priority of Government claims.

REGULATIONS: 19 CFR § 141.

3714. Keeping money due States in default.

GENERAL APPLICATION REGULATIONS ONLY.

3715. Buying real property of a debtor.

GENERAL APPLICATION REGULATIONS ONLY.

GENERAL APPLICATION REGULATIONS FOR §§ 3716 et seq., 30 CFR §§ 207, 210 & 230; for §§ 3716-3719, 7 CFR §§ 3 & 792; 45 CFR § 1177; for §§ 3716- 3718, 10 CFR § 16, 24 CFR § 17; for §§ 3716 & 3717, 31 CFR § 240.

3716. Administrative offset.

REGULATIONS: 13 CFR § 140; 15 CFR § 21; 17 CFR § 204; 20 CFR § 367; 24 CFR § 17; 29 CFR § 2609; 30 CFR §§ 216 & 218; 31 CFR § 5; 34 CFR §§ 30-32; 45 CFR §§ 31 & 608; 49 CFR § 1017.

GENERAL APPLICATION REGULATIONS FOR §§ 3717 & 3718, 34 CFR § 30.

3717. Interest and penalty on claims.

REGULATIONS: 12 CFR §§ 701, 741; 15 CFR §§ 4, 60; 24 CFR § 17; 28 CFR §§ 16, 505; 31 CFR § 391.

3718. Contracts for collection services.

REGULATIONS: 17 CFR § 204; 24 CFR § 17; 28 CFR § 11; 45 CFR §§ 31 & 608.

3719. Reports on debt collection activities.

GENERAL APPLICATION REGULATIONS ONLY.

3720. Collection of payments.

REGULATIONS: 31 CFR §§ 5 & 206.

3720A. Reduction of tax refund by amount of debt.

REGULATIONS: 5 CFR § 835; 7 CFR §§ 3 & 1951; 10 CFR § 1018; 13 CFR § 140; 15 CFR § 19; 17 CFR § 204; 20 CFR § 366; 22 CFR §§ 139, 213 & 309; 24 CFR § 17; 26 CFR § 301; 28 CFR § 11; 29 CFR §§ 1650 & 2609; 30 CFR §§ 216, 218 & 230; 31 CFR § 5; 34 CFR § 30; 40 CFR § 13; 41 CFR §§ 105-57; 45 CFR §§ 31 & 608.

SUBCHAPTER III - CLAIMS AGAINST THE UNITED STATES GOVERNMENT

3721. Claims of personnel of agencies and the District of Columbia

government for personal property damage or loss.

REGULATIONS: 14 CFR § 1261; 24 CFR § 17; 31 CFR § 4; 32 CFR § 842; 38 CFR § 14; 40 CFR § 14; 44 CFR § 11; 46 CFR § 501.

3722. Claims of officers and employees at Government penal and

correctional institutions.

GENERAL APPLICATION REGULATIONS ONLY.

3723. Small claims for privately owned property damage or loss.

GENERAL APPLICATION REGULATIONS ONLY.

3724. Claims for damages caused by investigative or law enforcement

officers of the Department of Justice.

GENERAL APPLICATION REGULATIONS ONLY.

3725. Claims of non-nationals for personal injury or death in a

foreign country.

GENERAL APPLICATION REGULATIONS ONLY.

3726. Payment for transportation.

REGULATIONS: 41 CFR §§ 101-41.

3727. Assignments of claims.

GENERAL APPLICATION REGULATIONS ONLY.

3728. Setoff against judgment.

REGULATIONS: 7 CFR §§ 3 & 792.

GENERAL APPLICATION REGULATIONS FOR §§ 3729-3731: 38 CFR § 21.

3729. False claims.

REGULATIONS: 32 CFR § 516.

3730. Civil actions for false claims.

GENERAL APPLICATION REGULATIONS ONLY.

3731. False claims procedure.

GENERAL APPLICATION REGULATIONS ONLY.

3732. False claims jurisdiction.

GENERAL APPLICATION REGULATIONS ONLY.

3733. Civil investigative demands.

GENERAL APPLICATION REGULATIONS ONLY.

-CITE-

31 USC CHAPTER 38 - ADMINISTRATIVE REMEDIES FOR FALSE

CLAIMS AND STATEMENTS 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 38 - ADMINISTRATIVE REMEDIES FOR FALSE CLAIMS AND

-HEAD-

CHAPTER 38 - ADMINISTRATIVE REMEDIES FOR FALSE CLAIMS AND

STATEMENTS

GENERAL APPLICATION REGULATIONS: §§ 3801 et seq., 28 CFR § 0; §§ 3801-3812, 5 CFR § 185, 10 CFR §§ 13 & 1013, 15 CFR § 25, 22 CFR §§ 35, 224 & 521, 28 CFR § 71, 29 CFR § 22, 31 CFR § 16, 34 CFR § 33, 38 CFR § 42, 39 CFR §§ 273 & 962, 43 CFR § 35, 45 CFR § 79, 49 CFR § 31.

-MISC1-

Sec.

3801. Definitions.

GENERAL APPLICATION REGULATIONS ONLY.

3802. False claims and statements; liability.

GENERAL APPLICATION REGULATIONS ONLY.

3803. Hearing and determinations.

REGULATIONS: 13 CFR § 142.

3804. Subpoena authority.

GENERAL APPLICATION REGULATIONS ONLY.

3805. Judicial review.

GENERAL APPLICATION REGULATIONS ONLY.

3806. Collection of civil penalties and assessments.

GENERAL APPLICATION REGULATIONS ONLY.

3807. Right to administrative offset.

REGULATIONS: 32 CFR § 277.

3808. Limitations.

GENERAL APPLICATION REGULATIONS ONLY.

3809. Regulations.

REGULATIONS: 14 CFR § 1264; 20 CFR § 355; 41 CFR §§ 105-70.

(3810. Repealed.)

3811. Effect on other law.

GENERAL APPLICATION REGULATIONS ONLY.

3812. Prohibition against delegation.

GENERAL APPLICATION REGULATIONS ONLY.

-CITE-

31 USC CHAPTER 39 - PROMPT PAYMENT 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE III - FINANCIAL MANAGEMENT

CHAPTER 39 - PROMPT PAYMENT

-HEAD-

CHAPTER 39 - PROMPT PAYMENT

GENERAL APPLICATION REGULATIONS FOR §§ 3901-3906, 48 CFR § 2432.

-MISC1-

Sec.

3901. Definitions and application.

GENERAL APPLICATION REGULATIONS ONLY.

3902. Interest penalties.

GENERAL APPLICATION REGULATIONS ONLY.

3903. Regulations.

GENERAL APPLICATION REGULATIONS ONLY.

3904. Limitations on discount payments.

GENERAL APPLICATION REGULATIONS ONLY.

3905. Payment provisions relating to construction contracts.

GENERAL APPLICATION REGULATIONS ONLY.

3906. Reports.

GENERAL APPLICATION REGULATIONS ONLY.

3907. Relationship to other laws.

REGULATIONS: None.

-CITE-

31 USC Sec. 5312 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE IV - MONEY

CHAPTER 53 - MONETARY TRANSACTIONS

SUBCHAPTER II - RECORDS AND REPORTS ON MONETARY INSTRUMENTS

-HEAD-

Sec. 5312. Definitions and application

Regulations: Only those with general application listed above.

NOTE: The index for Government Corporations is reproduced in this text primarily to demonstrate what entities are government corporations when operating in certain capacities. For example, Federal Home Loan Banks are classified as mixed ownershp government corporations. Following the chapter table of contents, § 9102 is reproduced in its entity.

-CITE-

31 USC CHAPTER 91 - GOVERNMENT CORPORATIONS 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE VI - MISCELLANEOUS

CHAPTER 91 - GOVERNMENT CORPORATIONS

-HEAD-

CHAPTER 91 - GOVERNMENT CORPORATIONS

-MISC1-

Sec.

9101. Definitions. [this section reproduced below]

REGULATIONS: None.

9102. Establishing and acquiring corporations.

REGULATIONS: None.

9103. Budgets of wholly owned Government corporations.

REGULATIONS: None.

9104. Congressional action on budgets of wholly owned Government

corporations.

REGULATIONS: None.

9105. Audits.

REGULATIONS: None.

9106. Management reports.

REGULATIONS: None.

9107. Accounts.

REGULATIONS: None.

9108. Obligations.

REGULATIONS: None.

9109. Exclusion of a wholly owned Government corporation from this

chapter.

REGULATIONS: None.

9110. Standards for depository institutions holding securities of a

Government-sponsored corporation for customers.

REGULATIONS: 17 CFR § 450.

-CITE-

31 USC Sec. 9101 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE VI - MISCELLANEOUS

CHAPTER 91 - GOVERNMENT CORPORATIONS

-HEAD-

Sec. 9101. Definitions

-STATUTE-

In this chapter -

(1) ''Government corporation'' means a mixed-ownership

Government corporation and a wholly owned Government corporation.

(2) ''mixed-ownership Government corporation'' means -

(A) Amtrak.

(B) the Central Bank for Cooperatives.

(C) the Federal Deposit Insurance Corporation.

(D) the Federal Home Loan Banks.

(E) the Federal Intermediate Credit Banks.

(F) the Federal Land Banks.

(G) the National Credit Union Administration Central

Liquidity Facility.

(H) the Regional Banks for Cooperatives.

(I) the Rural Telephone Bank when the ownership, control, and

operation of the Bank are converted under section 410(a) of the

Rural Electrification Act of 1936 (7 U.S.C. 950(a)).

(J) the United States Railway Association.

(K) the Financing Corporation.

(L) the Resolution Trust Corporation.

(M) the Resolution Funding Corporation.

(3) ''wholly owned Government corporation'' means -

(A) the Commodity Credit Corporation.

(B) the Community Development Financial Institutions Fund;

(FOOTNOTE 1)

(FOOTNOTE 1) So in original. The semicolon probably should be a

period.

(C) the Export-Import Bank of the United States.

(D) the Federal Crop Insurance Corporation.

(E) Federal Prison Industries, Incorporated.

(F) the Corporation for National and Community Service.

(G) the Government National Mortgage Association.

(H) the Overseas Private Investment Corporation.

(I) the Pennsylvania Avenue Development Corporation.

(J) the Pension Benefit Guaranty Corporation.

(K) the Rural Telephone Bank until the ownership, control,

and operation of the Bank are converted under section 410(a) of

the Rural Electrification Act of 1936 (7 U.S.C. 950(a)).

(L) the Saint Lawrence Seaway Development Corporation.

(M) the Secretary of Housing and Urban Development when

carrying out duties and powers related to the Federal Housing

Administration Fund.

(N) the Tennessee Valley Authority.

(N) (FOOTNOTE 2) the Uranium Enrichment Corporation.

(FOOTNOTE 2) So in original. Probably should be ''(O)''.

REGULATION: None.

-CITE-

31 USC Sec. 9102 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE VI - MISCELLANEOUS

CHAPTER 91 - GOVERNMENT CORPORATIONS

-HEAD-

Sec. 9102. Establishing and acquiring corporations

-STATUTE-

An agency may establish or acquire a corporation to act as an

agency only by or under a law of the United States specifically

authorizing the action.

-SOURCE-

(Pub. L. 97-258, Sept. 13, 1982, 96 Stat. 1042.)

REGULATIONS: None.

-CITE-

31 USC CHAPTER 93 - SURETIES AND SURETY BONDS 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE VI - MISCELLANEOUS

CHAPTER 93 - SURETIES AND SURETY BONDS

-HEAD-

CHAPTER 93 - SURETIES AND SURETY BONDS

-MISC1-

Sec.

9301. Definitions.

REGULATIONS: 27 CFR §§ 19, 24, 25, 72, 197, 250, 252, 270, 275, 285, 290.

9302. Prohibition against surety bonds for United States Government

personnel.

REGULATIONS: None.

GENERAL APPLICATION REGULATIONS FOR §§ 9303-9308, 27 CFR § 25; §§ 9303-9304, 27 CFR §§ 19, 24, 72, 197, 250, 252, 270, 275, 285, 290.

9303. Use of Government obligations instead of surety bonds.

GENERAL APPLICATION REGULATIONS ONLY.

9304. Surety corporations.

REGULATIONS: 27 CFR § 22 & 170.

9305. Authority and revocation of authority of surety corporations.

GENERAL APPLICATION REGULATIONS ONLY.

9306. Surety corporations acting outside area of incorporation and

place of principal office.

REGULATIONS: 27 CFR §§ 19, 22, 24, 72, 170, 197, 250, 252, 270, 275, 285, 290, 296.

9307. Civil actions and judgments against surety corporations.

GENERAL APPLICATION REGULATIONS ONLY.

  1. 9308. Civil penalty.
GENERAL APPLICATION REGULATIONS ONLY.

9309. Priority of sureties.

GENERAL APPLICATION REGULATIONS ONLY.

-CITE-

31 USC Sec. 9703 01/16/96

-EXPCITE-

TITLE 31 - MONEY AND FINANCE

SUBTITLE VI - MISCELLANEOUS

CHAPTER 97 - MISCELLANEOUS

-HEAD-

Sec. 9703. (FOOTNOTE 1) Department of the Treasury Forfeiture Fund

-STATUTE-

(FOOTNOTE 1) Another section 9703 is set out preceding section

9704 of this title.

(a) In General. - There is established in the Treasury of the

United States a fund to be known as the ''Department of the

Treasury Forfeiture Fund'' (referred to in this section as the

''Fund''). The Fund shall be available to the Secretary, without

fiscal year limitation, with respect to seizures and forfeitures

made pursuant to any law (other than section 7301 or 7302 of the

Internal Revenue Code of 1986) enforced or administered by the

Department of the Treasury or the United States Coast Guard for the

following law enforcement purposes:

(1)(A) Payment of all proper expenses of seizure (including

investigative costs incurred by a Department of the Treasury law

enforcement organization leading to seizure) or the proceedings

of forfeiture and sale, including the expenses of detention,

inventory, security, maintenance, advertisement, or disposal of

the property, and if condemned by a court and a bond for such

costs was not given, the costs as taxed by the court.

(B) Payment for -

(i) contract services;

(ii) the employment of outside contractors to operate and

manage properties or to provide other specialized services

necessary to dispose of such properties in an effort to

maximize the return from such properties; and

(iii) reimbursing any Federal, State, or local agency for any

expenditures made to perform the functions described in this

subparagraph.

(C) Awards of compensation to informers under section 619 of

the Tariff Act of 1930 (19 U.S.C. 1619).

(D) Satisfaction of -

(i) liens for freight, charges, and contributions in general

average, notice of which has been filed with the appropriate

Customs officer according to law; and

(ii) subject to the discretion of the Secretary, other valid

liens and mortgages against property that has been forfeited

pursuant to any law enforced or administered by a Department of

the Treasury law enforcement organization. To determine the

validity of any such lien or mortgage, the amount of payment to

be made, and to carry out the functions described in this

subparagraph, the Secretary may employ and compensate attorneys

and other personnel skilled in State real estate law.

(E) Payment of amounts authorized by law with respect to

remission and mitigation.

(F) Payment of claims of parties in interest to property

disposed of under section 612(b) of the Tariff Act of 1930 (19

U.S.C. 1612(b)), in the amounts applicable to such claims at the

time of seizure.

(G) Equitable sharing payments made to other Federal agencies,

State and local law enforcement agencies, and foreign countries

pursuant to section 616(c) of the Tariff Act of 1930 (19 U.S.C.

1616a(c)), section 981 of title 18, or subsection (h) of this

section, and all costs related thereto.

(H) Payment for services of experts and consultants needed by a

Department of the Treasury law enforcement organization to carry

out the organization's duties relating to seizure and forfeiture.

(I) payment (FOOTNOTE 2) of overtime salaries, travel, fuel,

training, equipment, and other similar costs of State or local

law enforcement officers that are incurred in joint law

enforcement operations with a Department of the Treasury law

enforcement organization; (FOOTNOTE 3)

(FOOTNOTE 2) So in original. Probably should be capitalized.

(FOOTNOTE 3) So in original. The semicolon probably should be a

period.

(J) payment (FOOTNOTE 2) made pursuant to guidelines

promulgated by the Secretary, if such payment is necessary and

directly related to seizure and forfeiture program expenses for -

(i) the purchase or lease of automatic data processing

systems (not less than a majority of which use will be related

to such program);

(ii) training;

(iii) printing; and

(iv) contracting for services directly related to -

(I) the identification of forfeitable assets;

(II) the processing of and accounting for forfeitures; and

(III) the storage, maintenance, protection, and destruction

of controlled substances.

(2) At the discretion of the Secretary -

(A) payment of awards for information or assistance leading

to a civil or criminal forfeiture involving any Department of

the Treasury law enforcement organization participating in the

Fund;

(B) purchases of evidence or information by -

(i) a Department of the Treasury law enforcement

organization with respect to -

(I) a violation of section 1956 or 1957 of title 18

(relating to money laundering); or

(II) a law, the violation of which may subject property

to forfeiture under section 981 or 982 of title 18;

(ii) the United States Customs Service with respect to drug

smuggling or a violation of section 542 or 545 of title 18

(relating to fraudulent customs invoices or smuggling);

(iii) the United States Secret Service with respect to a

violation of -

(I) section 1028, 1029, or 1030 or (FOOTNOTE 4) title 18;

(FOOTNOTE 4) So in original. Probably should be ''of''.

(II) any law of the United States relating to coins,

obligations, or securities of the United States or of a

foreign government; or

(III) any law of the United States which the United

States Secret Service is authorized to enforce relating to

fraud or other criminal or unlawful activity in or against

any federally insured financial institution, the Resolution

Trust Corporation, or the Federal Deposit Insurance

Corporation;

(iv) the United States Customs Service or the Internal

Revenue Service with respect to a violation of chapter 53 of

this title (relating to the Bank Secrecy Act); and

(v) the Bureau of Alcohol, Tobacco and Firearms with

respect to a violation of -

(I) section 842(h) of title 18;

(II) section 844(d), (e), (f), (g), (h), or (i) of title

18; or

(III) section 924(c) of title 18;

(C) payment of costs for publicizing awards available under

section 619 of the Tariff Act of 1930 (19 U.S.C. 1619);

(D) payment for equipment for any vessel, vehicle, or

aircraft available for official use by a Department of the

Treasury law enforcement organization to enable the vessel,

vehicle, or aircraft to assist in law enforcement functions,

and for other equipment directly related to seizure or

forfeiture, including laboratory equipment, protective

equipment, communications equipment, and the operation and

maintenance costs of such equipment;

(E) the payment of claims against employees of the Customs

Service settled by the Secretary under section 630 of the

Tariff Act of 1930;

(F) payment for equipment for any vessel, vehicle, or

aircraft available for official use by a State or local law

enforcement agency to enable the vessel, vehicle, or aircraft

to assist in law enforcement functions if the vessel, vehicle,

or aircraft will be used in joint law enforcement operations

with a Department of the Treasury law enforcement organization;

(G) reimbursement of private persons for expenses incurred by

such persons in cooperating with a Department of the Treasury

law enforcement organization in investigations and undercover

law enforcement operations; (FOOTNOTE 5)

(FOOTNOTE 5) So in original. Probably should be followed by

''and''.

(H) payment for training foreign law enforcement personnel

with respect to seizure or forfeiture activities of the

Department of the Treasury; and (FOOTNOTE 6)

(FOOTNOTE 6) So in original. The ''; and'' probably should be a

period.

(b) Limitations. -

(1) Any payment made under subparagraph (D) or (E) of

subsection (a)(1) with respect to a seizure or a forfeiture of

property shall not exceed the value of the property at the time

of the seizure.

(2) Any payment made under subsection (a)(1)(G) with respect to

a seizure or forfeiture of property shall not exceed the value of

the property at the time of disposition.

(3) The Secretary may exempt the procurement of contract

services under the Fund from section 3709 of the Revised Statutes

of the United States (41 U.S.C. 5), title III of the Federal

Property and Administrative Services Act of 1949 (41 U.S.C. 251

et seq.), and other provisions of law as may be necessary to

maintain the security and confidentiality of related criminal

investigations.

(4) The Secretary shall assure that any equitable sharing

payment made to a State or local law enforcement agency pursuant

to subsection (a)(1)(G) and any property transferred to a State

or local law enforcement agency pursuant to subsection (h) -

(A) has a value that bears a reasonable relationship to the

degree of participation of the State or local agency in the law

enforcement effort resulting in the forfeiture, taking into

account the total value of all property forfeited and the total

law enforcement effort with respect to the violation of law on

which the forfeiture is based; and

(B) will serve to encourage further cooperation between the

recipient State or local agency and Federal law enforcement

agencies.

(5) Amounts transferred by the Attorney General pursuant to

section 524(c)(1) of title 28, or by the Postmaster General

pursuant to section 2003 of title 39, and deposited into the Fund

pursuant to subsection (d), shall be available for Federal law

enforcement related purposes of the Department of the Treasury

law enforcement organizations.

(c) Funds Available to United States Coast Guard. -

(1) The Secretary shall make available to the United States

Coast Guard, from funds appropriated under subsection (g)(2) in

excess of $10,000,000 for a fiscal year, an amount equal to the

net proceeds in the Fund derived from seizures by the Coast

Guard.

(2) Funds made available under this subsection may be used to -

(A) pay for equipment for any vessel, vehicle, or aircraft

available for official use by the United States Coast Guard to

enable the vessel, vehicle, or aircraft to assist in law

enforcement functions;

(B) pay for equipment for any vessel, vehicle, equipment, or

aircraft available for official use by a State or local law

enforcement agency to enable the vessel, vehicle, or aircraft

to assist in law enforcement functions if the vessel, vehicle,

or aircraft will be used in joint law enforcement operations

with the United States Coast Guard;

(C) pay for overtime salaries, travel, fuel, training,

equipment, and other similar costs of State and local law

enforcement officers that are incurred in joint law enforcement

operations with the United States Coast Guard;

(D) pay for expenses incurred in bringing vessels into

compliance with applicable environmental laws prior to disposal

by sinking.

(d) Deposits and Credits. -

(1) With respect to fiscal year 1993, there shall be deposited

into or credited to the Fund -

(A) all currency forfeited during fiscal year 1993, and all

proceeds from forfeitures during fiscal year 1993, under any

law enforced or administered by the United States Customs

Service or the United States Coast Guard;

(B) all income from investments made under subsection (e);

and

(C) all amounts representing the equitable share of the

United States Customs Service or the United States Coast Guard

from the forfeiture of property under any Federal, State,

local, or foreign law.

(2) With respect to fiscal years beginning after fiscal year

1993, there shall be deposited into or credited to the Fund -

(A) all currency forfeited after fiscal year 1993, and all

proceeds from forfeitures after fiscal year 1993, under any law

(other than sections 7301 and 7302 of the Internal Revenue Code

of 1986) enforced or administered by a Department of the

Treasury law enforcement organization or the United States

Coast Guard;

(B) all income from investments made under subsection (e);

and

(C) all amounts representing the equitable share of a

Department of the Treasury law enforcement organization or the

United States Coast Guard from the forfeiture of property under

any Federal, State, local, or foreign law.

(e) Investments. - Amounts in the Fund, and in any holding

accounts associated with the Fund, which are not currently needed

for the purposes of this section may be kept on deposit or invested

in obligations of, or guaranteed by, the United States and all

earnings on such investments shall be deposited in the Fund.

(f) Reports to Congress. - The Secretary shall transmit to the

Congress, not later than February 1 of each year -

(1) a report on -

(A) the estimated total value of property forfeited with

respect to which funds were not deposited in the Fund during

the preceding fiscal year -

(i) under any law enforced or administered by the United

States Customs Service or the United States Coast Guard, in

the case of fiscal year 1993; and

(ii) under any law enforced or administered by the

Department of the Treasury law enforcement organizations or

the United States Coast Guard, in the case of fiscal years

beginning after 1993; and

(B) the estimated total value of all such property

transferred to any State or local law enforcement agency; and

(2) a report on -

(A) the balance of the Fund at the beginning of the preceding

fiscal year;

(B) liens and mortgages paid and the amount of money shared

with Federal, State, local, and foreign law enforcement

agencies during the preceding fiscal year;

(C) the net amount realized from the operations of the Fund

during the preceding fiscal year, the amount of seized cash

being held as evidence, and the amount of money that has been

carried over into the current fiscal year;

(D) any defendant's property, not forfeited at the end of the

preceding fiscal year, if the equity in such property is valued

at $1,000,000 or more;

(E) the total dollar value of uncontested seizures of

monetary instruments having a value of over $100,000 which, or

the proceeds of which, have not been deposited into the Fund

pursuant to subsection (d) within 120 days after seizure, as of

the end of the preceding fiscal year;

(F) the balance of the Fund at the end of the preceding

fiscal year;

(G) the net amount, if any, of the excess unobligated amounts

remaining in the Fund at the end of the preceding fiscal year

and available to the Secretary for Federal law enforcement

related purposes;

(H) a complete set of audited financial statements (including

a balance sheet, income statement, and cash flow analysis)

prepared in a manner consistent with the requirements of the

Chief Financial Officers Act of 1990 (Public Law 101-576); and

(I) an analysis of income and expenses showing the revenue

received or lost -

(i) by property category (such as general property,

vehicles, vessels, aircraft, cash, and real property); and

(ii) by type of disposition (such as sale, remission,

cancellation, placement into official use, sharing with State

and local agencies, and destruction).

The Fund shall be subject to annual financial audits as authorized

in the Chief Financial Officers Act of 1990 (Public Law 101-576).

(g) Appropriations. -

(1) There are hereby appropriated from the Fund such sums as

may be necessary to carry out the purposes described in

subsection (a)(1).

(2) There are authorized to be appropriated from the Fund to

carry out the purposes set forth in subsections (a)(2) and (c)

not to exceed -

(A) $25,000,000 for fiscal year 1993; and

(B) $50,000,000 for each fiscal year after fiscal year 1993.

(3)(A) Subject to subparagraphs (B) and (C), at the end of each

of fiscal years 1994, 1995, 1996, and 1997, the Secretary shall

transfer from the Fund not more than $100,000,000 to the Special

Forfeiture Fund established by section 6073 of the Anti-Drug

Abuse Act of 1988.

(B) Transfers pursuant to subparagraph (A) shall be made only

from excess unobligated amounts and only to the extent that, as

determined by the Secretary, such transfers will not impair the

future availability of amounts for the purposes described in

subsection (a). Further, transfers under subparagraph (A) may not

exceed one-half of the excess unobligated balance for a year. In

addition, transfers under subparagraph (A) may be made only to

the extent that the sum of the transfers in a fiscal year and

one-half of the unobligated balance at the beginning of that

fiscal year for the Special Forfeiture Fund does not exceed

$100,000,000.

(C) The Secretary of the Treasury shall reserve an amount not

to exceed $30,000,000 from the unobligated balances remaining in

the Customs Forfeiture Fund on September 30, 1992, and such

amount shall be transferred to the Fund on October 1, 1992, or,

if later, the date that is 15 days after the date of the

enactment of this section. Such amount shall be available for

any expenses or activities authorized under this section. At the

end of fiscal year 1993, and at the end of each fiscal year

thereafter, the Secretary shall reserve in the Fund an amount not

to exceed $50,000,000 of the unobligated balances in the Fund,

or, if the Secretary determines that a greater amount is

necessary for asset specific expenses, an amount equal to not

more than 10 percent of the total obligations from the Fund in

the preceding fiscal year.

(4)(A) After reserving any amount authorized by paragraph

(3)(C), any unobligated balances remaining in the Fund on

September 30, 1993, shall be deposited into the general fund of

the Treasury of the United States.

(B) After reserving any amount authorized by paragraph (3)(C)

and after transferring any amount authorized by paragraph (3)(A),

any unobligated balances remaining in the Fund on September 30,

1994, and on September 30 of each fiscal year thereafter, shall,

subject to subparagraph (C), be available to the Secretary,

without fiscal year limitation, for transfers pursuant to

subparagraph (A)(ii) (FOOTNOTE 7) and for obligation or

expenditure in connection with the law enforcement activities of

any Federal agency or of a Department of the Treasury law

enforcement organization.

(FOOTNOTE 7) See References in Text note below.

(C) Any obligation or expenditure in excess of $500,000 with

respect to an unobligated balance described in subparagraph (B)

may not be made by the Secretary unless the Appropriations

Committees of both Houses of Congress are notified at least 15

days in advance of such obligation or expenditure.

(h) Retention or Transfer of Property. -

(1) The Secretary may, with respect to any property forfeited

under any law (other than section 7301 or 7302 of the Internal

Revenue Code of 1986) enforced or administered by the Department

of the Treasury -

(A) retain any of the property for official use; or

(B) transfer any of the property to -

(i) any other Federal agency; or

(ii) any State or local law enforcement agency that

participated directly or indirectly in the seizure or

forfeiture of the property.

(2) The Secretary may transfer any forfeited personal property

or the proceeds of the sale of any forfeited personal or real

property to any foreign country which participated directly or

indirectly in the seizure of (FOOTNOTE 8) forfeiture of the

property, if such a transfer -

(FOOTNOTE 8) So in original. Probably should be ''or''.

(A) is one with which the Secretary of State has agreed;

(B) is authorized in an international agreement between the

United States and the foreign country; and

(C) is made to a country which, if applicable, has been

certified under section 481(h) of the Foreign Assistance Act of

1961 (22 U.S.C. 2291(h)). (FOOTNOTE 7)

(3) Nothing in this section shall affect the authority of the

Secretary under section 981 of title 18 or section 616 of the

Tariff Act of 1930 (19 U.S.C. 1616a).

(i) Regulations. - The Secretary may prescribe such rules and

regulations as may be necessary to carry out this section.

(j) Customs Forfeiture Fund. - Notwithstanding any other

provision of law -

(1) during any period when forfeited currency and proceeds from

forfeitures under any law (other than section 7301 or 7302 of the

Internal Revenue Code of 1986) enforced or administered by the

Department of the Treasury or the United States Coast Guard, are

required to be deposited in the Fund pursuant to this section -

(A) all moneys required to be deposited in the Customs

Forfeiture Fund pursuant to section 613A of the Tariff Act of

1930 (19 U.S.C. 1613b) shall instead be deposited in the Fund;

and

(B) no deposits or withdrawals may be made to or from the

Customs Forfeiture Fund pursuant to section 613A of the Tariff

Act of 1930 (19 U.S.C. 1613b); and

(2) any funds in the Customs Forfeiture Fund and any

obligations of the Customs Forfeiture Fund on the effective date

of the Treasury Forfeiture Act of 1992, shall be transferred to

the Fund and all administrative costs of such transfer shall be

paid for out of the Fund.

(k) Limitation of Liability. - The United States shall not be

liable in any action relating to property transferred under this

section or under section 616 of the Tariff Act of 1930 (19 U.S.C.

1616a) if such action is based on an act or omission occurring

after the transfer.

(l) Authority To Warrant Title. - Following the completion of

procedures for the forfeiture of property pursuant to any law

enforced or administered by the Department of the Treasury, the

Secretary is authorized, at the Secretary's discretion, to warrant

clear title to any subsequent purchaser or transferee of such

forfeited property.

(m) Forfeited Property. - For purposes of this section and

notwithstanding section 524(c)(11) (FOOTNOTE 9) of title 28 or any

other law -

(FOOTNOTE 9) See References in Text note below.

(1) during fiscal year 1993, property and currency shall be

deemed to be forfeited pursuant to a law enforced or administered

by the United States Customs Service if it is forfeited pursuant

to -

(A) a judicial forfeiture proceeding when the underlying

seizure was made by an officer of the United States Customs

Service or the property was maintained by the United States

Customs Service; or

(B) a civil administrative forfeiture proceeding conducted by

the United States Customs Service; and

(2) after fiscal year 1993, property and currency shall be

deemed to be forfeited pursuant to a law enforced or administered

by a Department of the Treasury law enforcement organization if

it is forfeited pursuant to -

(A) a judicial forfeiture proceeding when the underlying

seizure was made by an officer of a Department of the Treasury

law enforcement organization or the property was maintained by

a Department of the Treasury law enforcement organization; or

(B) a civil administrative forfeiture proceeding conducted by

a Department of the Treasury law enforcement organization.

(n) Transfers to Attorney General and Postmaster General. -

(1) The Secretary shall transfer from the Fund to the Attorney

General for deposit in the Department of Justice Assets

Forfeiture Fund amounts appropriate to reflect the degree of

participation of participating Federal agencies in the law

enforcement effort resulting in the forfeiture pursuant to laws

enforced or administered by a Department of the Treasury law

enforcement organization. For purposes of the preceding

sentence, a ''participating Federal agency'' is an agency that

participates in the Department of Justice Assets Forfeiture Fund.

(2) The Secretary shall transfer from the Fund to the

Postmaster General for deposit in the Postal Service Fund amounts

appropriate to reflect the degree of participation of the United

States Postal Service in the law enforcement effort resulting in

the forfeiture pursuant to laws enforced or administered by a

Department of the Treasury law enforcement organization.

(o) Bureau of Alcohol, Tobacco and Firearms. -

(1) Except as provided in paragraph (2) and section 5872(b) of

the Internal Revenue Code of 1986, the provisions of law relating

to -

(A) the seizure, summary and judicial forfeiture, and

condemnation of property for violation of Customs laws,

(B) the remission or mitigation of such forfeiture, and

(C) the compromise of claims,

shall apply to seizures and forfeitures incurred, or alleged to

have been incurred, under any applicable law enforced or

administered by the Bureau of Alcohol, Tobacco and Firearms.

(2) For purposes of paragraph (1), duties that are imposed upon

a Customs officer or any other person with respect to the seizure

and forfeiture of property under the Customs laws of the United

States shall be performed with respect to seizures and

forfeitures of property under this section by such officers,

agents, or any other person as may be authorized or designated

for that purpose by the Secretary.

(p) Definitions. - For purposes of this section -

(1) Department of the treasury law enforcement organization. -

The term ''Department of the Treasury law enforcement

organization'' means the United States Customs Service, the

United States Secret Service, the Bureau of Alcohol, Tobacco and

Firearms, the Internal Revenue Service, the Federal Law

Enforcement Training Center, the Financial Crimes Enforcement

Network, and any other law enforcement component of the

Department of the Treasury so designated by the Secretary.

(2) Secretary. - The term ''Secretary'' means the Secretary of

the Treasury.

-SOURCE-

(Added Pub. L. 102-393, title VI, Sec. 638(b)(1), Oct. 6, 1992, 106

Stat. 1779; amended Pub. L. 103-182, title VI, Sec. 685, Dec. 8,

1993, 107 Stat. 2220; Pub. L. 103-322, title IX, Sec. 90205(c),

Sept. 13, 1994, 108 Stat. 1994; Pub. L. 103-329, title I, Sec. 112,

Sept. 30, 1994, 108 Stat. 2391.)

GENERAL APPLICATION REGULATION FOR §§ 9701 et seq. 30 CFR § 230.

Title 40 United States Code

-CITE-

40 USC Sec. 304 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 304. Disposal of lands acquired by devise

-STATUTE-

The General Services Administration is authorized to take

custody, for disposal as excess property under the Federal Property

and Administrative Services Act of 1949, as amended (40 U.S.C. 471

et seq.), of such lands as have been or may hereafter be acquired

by the United States by devise.

-SOURCE-

(Mar. 3, 1903, ch. 1007, 32 Stat. 1112; Oct. 31, 1951, ch. 654,

Sec. 4(8), 65 Stat. 709.)

-REFTEXT-

REFERENCES IN TEXT

The Federal Property and Administrative Services Act of 1949, as

amended, referred to in text, is act June 30, 1949, ch. 288, 63

Stat. 377, as amended. Provisions of that act relating to disposal

of excess government property are classified to chapter 10 (Sec.

471 et seq.) of this title. For complete classification of this

Act to the Code, see Short Title note set out under section 471 of

this title and Tables.

-COD-

CODIFICATION

Section is based on act Mar. 3, 1903, popularly known as the

''Sundry Civil Appropriation Act, fiscal year 1904''. It superseded

a provision of act Aug. 7, 1882, ch. 433, Sec. 1, 22 Stat. 319,

which authorized the Secretary of the Treasury to ''sell such lands

as have been acquired by devise,'' etc.

-MISC3-

AMENDMENTS

1951 - Act Oct. 31, 1951, amended section generally. Prior to

amendment, section authorized Secretary of Treasury to sell the

type of lands described upon such terms and after public notice by

advertisement as he might deem best for the public interest.

-CROSS-

CROSS REFERENCES

Disposition of real property located outside of the District of

Columbia, see section 304a of this title.

REGULATIONS: 26 CFR § 403; 27 CFR § 72.

-CITE-

40 USC Sec. 304a 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 304a. Disposition of surplus real property; assignment to

governmental agency; lease; sale

-STATUTE-

Notwithstanding any other provisions of law, whenever any real

property located outside of the District of Columbia, exclusive of

military or naval reservations, heretofore or hereafter acquired by

any Federal agency, by judicial process or otherwise in the

collection of debts, purchase, donation, condemnation, devise,

forfeiture, lease, or in any other manner, is, in whole or in part,

declared to be in excess of its needs by the Federal agency having

control thereof, or by the President on recommendation of the

Administrator of General Services, the Administrator of General

Services is authorized (a) to assign or reassign to any Federal

agency or agencies space therein: Provided, That if the Federal

agency to which space is assigned does not desire to occupy the

space so assigned to it, the decision of the Administrator of

General Services shall be subject to review by the President; or

(b) pending a sale, to lease such real property on such terms and

for such period not in excess of five years as he may deem in the

public interest; or (c) to sell the same at public sale to the

highest responsible bidder upon such terms and after such public

advertisement as he may deem in the public interest: Provided,

further, That if no bids which are satisfactory as to price and

responsibility of bidder are received as a result of such public

advertisement, the Administrator of General Services is authorized

to sell such property by negotiation, upon such terms as may be

deemed to be to the best interest of the Government, but at a price

not less than that bid by the highest responsible bidder.

-SOURCE-

(Aug. 27, 1935, ch. 744, Sec. 1, 49 Stat. 885: July 18, 1940, ch.

635, Sec. 1, 3, 54 Stat. 764, 765; June 30, 1949, ch. 288, title I,

Sec. 103(a), 63 Stat. 380.)

-MISC1-

AMENDMENTS

1940 - Act July 18, 1940, inserted last proviso and substituted

''Federal Works Administrator'' for ''Secretary of the Treasury''

and ''Commissioner of Public Buildings'' for ''Director of

Procurement''.

-TRANS-

TRANSFER OF FUNCTIONS

Functions of Federal Works Agency and of all agencies thereof,

together with functions of Federal Works Administrator, and

functions of Commissioner of Public Buildings and Public Buildings

Administration transferred to Administrator of General Services by

section 103(a) of act June 30, 1949, which is classified to section

753(a) of this title. Federal Works Agency, office of Federal

Works Administrator, office of Commissioner of Public Buildings,

and Public Buildings Administration abolished by section 103(b) of

act June 30, 1949.

EFFECTIVE DATE OF TRANSFER OF FUNCTIONS

Transfer of functions by act June 30, 1949, effective July 1,

1949, see section 605 of act June 30, 1949 set out as an Effective

Date note under section 471 of this title.

-CROSS-

CROSS REFERENCES

Lands of certain recreational demonstration projects as subject

to sections 304a, 304b to 304e of this title, see sections 459r to

459t of Title 16, Conservation.

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in sections 304a-1, 304a-2, 304b,

304d, 304e of this title; title 16 section 459t.

REGULATIONS: 32 CFR § 736.

-CITE-

40 USC Sec. 304e 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 304e. ''Federal agency'', as used in sections 304a to 304e,

defined

-STATUTE-

The term ''Federal agency'', as used in sections 304a to 304e of

this title, means any executive department, independent

establishment, commission, board, bureau, division, or office in

the executive branch, or other agency of the United States,

including corporations wholly owned by the United States.

-SOURCE-

(Aug. 27, 1935, ch. 744, Sec. 5, 49 Stat. 886.)

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in sections 304a-1, 304a-2, 304d of

this title; title 16 section 459t.

REGULATIONS: None.

-CITE-

40 USC Sec. 304i 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 304i. Disposition of property subject to pending court

proceedings for forfeiture

-STATUTE-

In the event that proceedings are or have been commenced for the

forfeiture of any property by court decree, the agency which seized

such property shall forthwith notify the Administrator and may at

the same time file with him a request for such property for its

official use. The Administrator shall, before entry of a decree,

apply to the court to order delivery of such property -

(a) to the agency filing such request; or

(b) if no such request has been filed, to any other agency

which requests and in the judgment of the Administrator should be

given such property; or

(c) if the agency which seized such property has not requested

it, and no other agency has requested and in the judgment of the

Administrator should be given such property, and if in the

judgment of the Administrator the property may later become

necessary to any agency for official use, to the seizing agency

to be retained in its custody. Thereafter, the Administrator

shall, within a reasonable time, order such agency to deliver the

property to any other agency which requests and in his judgment

should be given such property, or to dispose of it as otherwise

provided by law,

and if forfeiture thereof is decreed, the court shall, in the event

that the property is not ordered by competent authority to be

returned to any claimant, order delivery accordingly. All the

property for which no such application is made shall be disposed of

by the court in accordance with law.

-SOURCE-

(Aug. 27, 1935, ch. 740, title III, Sec. 304, 49 Stat. 880; June

30, 1949, ch. 288, title I, Sec. 102(a), 63 Stat. 380.)

-TRANS-

TRANSFER OF FUNCTIONS

Functions of Director of Bureau of Federal Supply transferred to

Administrator of General Services and office of Director abolished

by section 102(a) of act June 30, 1949, which is classified to

section 752 of this title.

EFFECTIVE DATE OF TRANSFER OF FUNCTIONS

Transfer of functions by act June 30, 1949, effective July 1,

1949, see section 605 of act June 30, 1949, set out as an Effective

Date note under section 471 of this title.

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in sections 304f, 304j, 304k, 304l,

304m of this title; title 18 section 3668.

REGULATION: 31 CFR § 401.

-CITE-

40 USC Sec. 304m 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 304m. Effect on other laws; abandoned or forfeited property

excluded from allocation

-STATUTE-

Nothing contained in sections 304f to 304m of this title shall be

construed as repealing any other laws relating to the disposition

of forfeited or abandoned property, except such provisions of such

laws as are directly in conflict with any provisions of said

sections.

The following classes of property shall not be subject to

allocation under sections 304g to 304i of this title, but shall be

disposed of in the manner otherwise provided by law:

(1) arms or munitions of war included in section 404 of title

22;

(2) narcotic drugs, as defined in the Controlled Substances Act

(21 U.S.C. 801 et seq.);

(3) firearms, as defined in section 5845 of title 26; and

(4) such other classes or kinds of property as the

Administrator, with the approval of the Secretary of the

Treasury, may deem in the public interest, and may by rules and

regulations provide.

-SOURCE-

(Aug. 27, 1935, ch. 740, title III, Sec. 308, 49 Stat. 880; June

30, 1949, ch. 288, title I, Sec. 102(a), 63 Stat. 380; Oct. 27,

1970, Pub. L. 91-513, title III, Sec. 1102(o), 84 Stat. 1293.)

-REFTEXT-

REFERENCES IN TEXT

Section 404 of title 22, referred to in par. (1), was repealed by

act Aug. 13, 1953, ch. 434, Sec. 2, 67 Stat. 577.

The Controlled Substances Act, referred to in par. (2), is title

II of Pub. L. 91-513, Oct. 27, 1970, 84 Stat. 1242, as amended,

which is classified principally to subchapter I (Sec. 801 et seq.)

of chapter 13 of Title 21, Food and Drugs. For complete

classification of this Act to the Code, see Short Title note set

out under section 801 of Title 21 and Tables.

-COD-

CODIFICATION

In par. (3), ''section 5845 of title 26'' substituted for

''section 2733 of title 26'' on authority of section 7852(b) of

Title 26, Internal Revenue Code, which provides that a reference in

other laws to the Internal Revenue Code of 1939 is deemed a

reference to corresponding provision of the Internal Revenue Code

of 1986.

-MISC3-

AMENDMENTS

1970 - Pub. L. 91-513 substituted ''the Controlled Substances

Act'' for ''section 171 of title 21'' in definition of narcotic

drugs.

EFFECTIVE DATE OF 1970 AMENDMENT

Amendment by Pub. L. 91-513 effective on first day of seventh

calendar month that begins after the day immediately preceding the

date of enactment of Pub. L. 91-513, which was approved on Oct. 27,

1970, see section 1105(a) of Pub. L. 91-513, set out as an

Effective Date note under section 951 of Title 21, Food and Drugs.

-TRANS-

TRANSFER OF FUNCTIONS

Functions of Director of Bureau of Federal Supply transferred to

Administrator of General Services and office of Director abolished

by section 102(a) of act June 30, 1949, which is classified to

section 752 of this title.

EFFECTIVE DATE OF TRANSFER OF FUNCTIONS

Transfer of functions by act June 30, 1949, effective July 1,

1949, see section 605 of act June 30, 1949, set out as an Effective

Date note under section 471 of this title.

-MISC5-

SAVINGS PROVISION

Prosecutions for any violation of law occurring, and civil

seizures or forfeitures and injunctive proceedings commenced, prior

to the effective date of amendment of this section by section 1102

of Pub. L. 91-513 not to be affected or abated by reason thereof,

see section 1103 of Pub. L. 91-513, set out as a note under section

171 of Title 21, Food and Drugs.

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in sections 304f, 304j, 304k, 304l of

this title; title 18 section 3668.

REGULATION: 31 CFR § 401.

-CITE-

40 USC Sec. 306 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 306. Release of lands in certain cases

-STATUTE-

In cases where real estate has become the property of the United

States, by conveyance, extent, or otherwise, in payment of a debt,

and such debt is afterward fully paid in money, and the same has

been received by the United States, the Administrator of General

Services may release by deed or otherwise convey the same real

estate to the debtor from whom it was taken, if he is living, or,

if such debtor is dead, to his heirs or devisees, or such person as

they may appoint: Provided, That this section shall not apply to

real estate so acquired by the United States in payment of any debt

arising under the internal-revenue laws.

-SOURCE-

(R.S. Sec. 3751; May 10, 1934, ch. 277, Sec. 512(b), 48 Stat. 759;

June 2, 1965, Pub. L. 89-30, Sec. 3, 79 Stat. 119.)

-REFTEXT-

REFERENCES IN TEXT

The internal revenue laws, referred to in text, are classified

generally to Title 26, Internal Revenue Code.

-COD-

CODIFICATION

R.S. Sec. 3751 derived from acts May 29, 1830, ch. 153, Sec. 1, 4

Stat. 414; Mar. 2, 1867, ch. 169, Sec. 4, 14 Stat. 472.

-MISC3-

AMENDMENTS

1965 - Pub. L. 89-30 substituted ''Administrator of General

Services'' for ''General Counsel for the Department of the

Treasury''.

-TRANS-

TRANSFER OF FUNCTIONS

For transfer of functions of other officers, employees, and

agencies of Department of the Treasury, with certain exceptions, to

Secretary of the Treasury with power to delegate, see Reorg. Plan

No. 26 of 1950, Sec. 1, 2, eff. July 31, 1950, 15 F.R. 4935, 64

Stat. 1280, 1281, set out in the Appendix to Title 5, Government

Organization and Employees. Functions of Coast Guard and Commandant

of Coast Guard excepted from transfer when Coast Guard is operating

as part of Navy under sections 1 and 3 of Title 14, Coast Guard.

Act May 10, 1934, abolished offices of General Counsel and

Assistant General Counsel for Bureau of Internal Revenue and

offices of Solicitor and Assistant Solicitor of Treasury, and

transferred powers, duties, and functions thereof to General

Counsel for Department of the Treasury.

REGULATIONS: None.

-CITE-

40 USC Sec. 308 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 308. Releasing property from attachment

-STATUTE-

Whenever any property owned or held by the United States, or in

which the United States has or claims an interest, shall, in any

judicial proceeding under the laws of any State, district, or

territory, be seized, arrested, attached, or held for the security

or satisfaction of any claim made against such property, the

Attorney General, in his discretion, may direct the United States

Attorney for the district in which the property is located, to

cause a stipulation to be entered into for the discharge of such

property from such seizure, arrest, attachment, or proceeding, to

the effect that upon such discharge, the person asserting the claim

against such property shall become entitled to all the benefits of

this section and section 309 of this title. Nothing herein

contained shall, however, be considered as recognizing or conceding

any right to enforce by seizure, arrest, attachment, or any

judicial process, any claim against any property of the United

States, or against any property held, owned, or employed by the

United States, or by any department thereof, for any public use, or

as waiving any objection to any proceeding instituted to enforce

any such claim.

-SOURCE-

(R.S. Sec. 3753; May 10, 1934, ch. 277, Sec. 512(b), 48 Stat. 759;

June 2, 1965, Pub. L. 89-30, Sec. 1(a), 79 Stat. 118.)

-COD-

CODIFICATION

R.S. Sec. 3753 derived from act June 11, 1864, ch. 117, 13 Stat.

122.

-MISC3-

AMENDMENTS

1965 - Pub. L. 89-30 substituted the Attorney General acting

through the United States Attorney for the district in which the

property is located, for the Secretary of the Treasury, acting

through the General Counsel for the Department of Treasury, as the

proper official to cause a stipulation to be entered into for the

discharge of attached property.

-TRANS-

TRANSFER OF FUNCTIONS

For transfer of functions of other officers, employees, and

agencies of Department of the Treasury, with certain exceptions, to

Secretary of the Treasury with power to delegate, see Reorg. Plan

No. 26 of 1950, Sec. 1, 2, eff. July 31, 1950, 15 F.R. 4935, 64

Stat. 1280, 1281, set out in the Appendix to Title 5, Government

Organization and Employees. Functions of Coast Guard and Commandant

of Coast Guard excepted from transfer when Coast Guard is operating

as part of Navy under sections 1 and 3 of Title 14, Coast Guard.

Act May 10, 1934, abolished offices of General Counsel and

Assistant General Counsel for Bureau of Internal Revenue and

offices of Solicitor and Assistant Solicitor of the Treasury, and

transferred powers, duties, and functions thereof to General

Counsel for Department of the Treasury.

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in section 309 of this title.

REGULATIONS: None.

-CITE-

40 USC Sec. 309 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 4 - THE PUBLIC PROPERTY

-HEAD-

Sec. 309. Payment

-STATUTE-

In all cases where a stipulation is entered into under section

308 of this title, and, in consequence thereof, the property is

discharged, and final judgment is afterward given in the court of

last resort to which the Attorney General may deem proper to cause

such proceedings to be carried, affirming the claim for the

security or satisfaction of which such proceedings have been

instituted, and the right of the person asserting the same to

enforce it against such property by means of such proceedings,

notwithstanding the claims of the United States thereto, such final

judgment shall be deemed, to all intents and purposes, a full and

final determination of the rights of such person, and shall entitle

such person, as against the United States, to such rights as he

would have had in case possession of such property had not been

changed. Whenever such claim is for the payment of money, and the

same is by such judgment found to be due, the presentation of a

duly authenticated copy of the record of such judgment and

proceedings shall be sufficient evidence to the proper accounting

officers for the allowance thereof; and the same shall thereupon be

allowed and paid out of any moneys in the Treasury not otherwise

appropriated. The amount so to be allowed and paid shall not,

however, exceed the value of the interest of the United States in

the property in question.

-SOURCE-

(R.S. Sec. 3754; June 2, 1965, Pub. L. 89-30, Sec. 1(b), 79 Stat.

119.)

-COD-

CODIFICATION

R.S. Sec. 3754 derived from act June 11, 1864, ch. 117, 13 Stat.

122.

-MISC3-

AMENDMENTS

1965 - Pub. L. 89-30 substituted ''Attorney General'' for

''Secretary of the Treasury''.

APPROPRIATIONS

Section 3 of act June 26, 1934, ch. 756, 48 Stat. 1226, which was

classified to section 725b of former Title 31, Money and Finance,

provided in part that, effective July 1, 1935, the permanent or

continuing appropriation account ''Judgments of courts (Revised

Statutes, section 3754 (40 U.S.C. 309)) (7x965)'' is abolished, and

any unobligated balances in such account are covered into the

Treasury; and that any claims accruing on and after July 1, 1935,

which, but for this section would have been charged to this

appropriation title, shall, upon proper audit, be certified to

Congress for appropriation from the general fund of the Treasury,

which is authorized.

-SECREF-

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in section 308 of this title.

REGULATION: None.

-CITE-

40 USC Sec. 471 01/16/96

-EXPCITE-

TITLE 40 - PUBLIC BUILDINGS, PROPERTY, AND WORKS

CHAPTER 10 - MANAGEMENT AND DISPOSAL OF GOVERNMENT PROPERTY

SUBCHAPTER I - GENERAL PROVISIONS

-HEAD-

Sec. 471. Congressional declaration of policy

-STATUTE-

It is the intent of the Congress in enacting this legislation to

provide for the Government an economical and efficient system for

(a) the procurement and supply of personal property and nonpersonal

services, including related functions such as contracting,

inspection, storage, issue, specifications, property identification

and classification, transportation and traffic management,

establishment of pools or systems for transportation of Government

personnel and property by motor vehicle within specific areas,

management of public utility services, repairing and converting,

establishment of inventory levels, establishment of forms and

procedures, and representation before Federal and State regulatory

bodies; (b) the utilization of available property; (c) the disposal

of surplus property; and (d) records management.

-SOURCE-

(June 30, 1949, ch. 288, Sec. 2, 63 Stat. 378; Sept. 1, 1954, ch.

1211, Sec. 1, 68 Stat. 1126.)

-REFTEXT-

REFERENCES IN TEXT

This legislation, referred to in text, means the Federal Property

and Administrative Services Act of 1949, as amended. For complete

classification of this Act to the Code, see Short Title note below.

-COD-

CODIFICATION

Section was formerly classified to section 201 of Title 41,

Public Contracts.

-MISC3-

AMENDMENTS

1954 - Act Sept. 1, 1954, extended section to cover establishment

of motor vehicle pools and transportation systems for Government

personnel and property.

EFFECTIVE DATE

Section 605, formerly Sec. 505, of act June 30, 1949, renumbered

by act Sept. 5, 1950, ch. 849, Sec. 6(a), (b), 64 Stat. 583,

provided that: ''This Act (see Short Title note below) shall become

effective on July 1, 1949, except that the provisions of section

602(a)(2) (repealing prior law relating to the disposition of the

affairs of the War Assets Administration) (repealing note set out

under section 1614a of the Appendix to Title 50, War and National

Defense) shall become effective on June 30, 1949.''

SHORT TITLE OF 1988 AMENDMENT

Pub. L. 100-612, Sec. 1, Nov. 5, 1988, 102 Stat. 3180, provided

that: ''This Act (amending sections 481, 484, 485, and 488 of this

title and repealing section 493 of this title) may be cited as the

'Federal Property Management Improvement Act of 1988'.''

SHORT TITLE

Section 1(a) of act June 30, 1949, as amended by Pub. L. 103-355,

title X, Sec. 10005(a)(2), Oct. 13, 1994, 108 Stat. 3406, provided

that: ''This Act may be cited as the 'Federal Property and

Administrative Services Act of 1949'.'' The Act is classified to

the Code generally as follows:

Sections 2 and 3 classified to sections 471 and 472 of this

title.

Title I classified principally to chapter 16 (Sec. 751 et seq.)

of this title.

Title II classified principally to subchapter II (Sec. 481 et

seq.) of this chapter.

Title III classified generally to subchapter IV (Sec. 251 et

seq.) of chapter 4 of Title 41, Public Contracts.

Title IV classified generally to subchapter III (Sec. 511 et

seq.) of this chapter.

Title V was classified generally to chapter 11 (Sec. 392 et

seq.) of former Title 44, Public Printing and Documents,

prior to the general revision and enactment of Title 44 by

Pub. L. 90-620, Sec. 1, Oct. 22, 1968, 82 Stat. 1238. The

subject matter of title V is covered by chapter 21 (Sec. 2101

et seq.), chapter 25 (Sec. 2501 et seq.), chapter 27 (Sec.

2701 et seq.), chapter 29 (Sec. 2901 et seq.), and chapter 31

(Sec. 3101 et seq.) of Title 44.

Title VI classified principally to subchapter I (Sec. 471 et

seq.) of this chapter.

Title VII classified generally to subchapter IV (Sec. 521 et

seq.) of this chapter.

Title VIII classified generally to subchapter V (Sec. 531 et

seq.) of this chapter.

Title IX classified generally to subchapter VI (Sec. 541 et

seq.) of this chapter.

For complete classification of this Act to the Code, see Tables.

Title VIII of act June 30, 1949, which is classified to

subchapter V (Sec. 531 et seq.) of this chapter, is known as the

''Federal Urban Land-Use Act'', see Short Title note set out under

section 531 of this title.

Title IX of act June 30, 1949, which is classified to subchapter

VI (Sec. 541 et seq.) of this chapter, is known as the ''Brooks

Architect-Engineers Act''.

SEPARABILITY

Section 604, formerly Sec. 504, of act June 30, 1949, renumbered

by act Sept. 5, 1950, ch. 849, Sec. 6(a), (b), 64 Stat. 583,

provided that: ''If any provision of this Act (see Short Title note

above), or the application thereof to any person or circumstances,

is held invalid, the remainder of this Act, and the application of

such provision to other persons or circumstances, shall not be

affected thereby.''

STYLISTIC CONSISTENCY

Pub. L. 103-355, title X, Sec. 10005(b)(2), Oct. 13, 1994, 108

Stat. 3408, provided that: ''The Federal Property and

Administrative Services Act of 1949 (41 U.S.C. 471 et seq.) (see

Short Title note above) is amended so that the section designation

and section heading of each section of such Act is in the same form

and typeface as the section designation and heading of this section

(108 Stat. 3406).''

-SECREF-

ACT REFERRED TO IN OTHER SECTIONS

The Federal Property and Administrative Services Act of 1949 is

referred to in sections 304, 311b, 472 to 476, 482, 483b to 484-1,

484d, 485, 485a, 486, 488, 489, 492, 605, 751, 752, 754 to 756,

758, 759 of this title; title 5 section 7342; title 7 sections 15b,

55, 79, 473a, 1736a, 5922; title 10 sections 2552, 2676, 2691,

7305, 9441, 9781; title 12 sections 1701z, 1701z-2, 1788; title 14

sections 92, 93, 641; title 15 sections 205f, 714b; title 16

sections 1a-2, 79c, 160b, 396f, 410r-6, 430a-2, 430h-7, 441l-5,

460m-9, 460x-7, 460bb-2, 460ee, 460ff-1, 460hh-1, 505a, 590q-1,

793, 2106; title 20 section 3475; title 22 sections 277d-36, 277e,

2358, 2581, 2713, 5422; title 25 sections 190, 293, 450j; title 30

section 4; title 33 section 578; title 41 sections 254, 405; title

42 sections 1592a, 1592d, 2201, 2297b-11, 2473, 4638, 5196, 5919,

12651g; title 43 sections 1702, 1736; title 44 section 311; title

45 section 1212; title 48 section 1685; title 49 section 103; title

50 sections 167a, 415, 1651; title 50 App. section 2393.

SECTION REFERRED TO IN OTHER SECTIONS

This section is referred to in section 491 of this title.

NONE: The few sections in Title 40 included in this table of authorities barely touch the authority for disposition of government-owned property, whether acquired for government use or in settlement of debt, etc.

REGULATIONS: 30 CFR §§ 201, 212; 32 CFR § 1889, 736; 34 CFR § 12; 43 CFR §§ 3000, 3120, 3160, 3480; (§ 471 note, 45 CFR § 3)

Title 42 United States Code

-CITE-

42 USC CHAPTER 44 - DEPARTMENT OF HOUSING AND URBAN

DEVELOPMENT 01/16/96

-EXPCITE-

TITLE 42 - THE PUBLIC HEALTH AND WELFARE

CHAPTER 44 - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

-HEAD-

CHAPTER 44 - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

-MISC1-

Sec.

3531. Congressional declaration of purpose.

REGULATIONS: None.

3532. Establishment of Department.

(a) Designation; appointment and supervision of

Secretary.

(b) General duties of Secretary.

(c) Denial or limitation of benefits of departmental

programs, functions, or activities on basis of

population or corporate status of community.

(d) Coordination of housing and urban development

programs in enterprise zones.

REGULATIONS: None.

3533. Officers of Department.

(a) Deputy Secretary, Assistant Secretaries, and

General Counsel.

(b) Federal Housing Commissioner.

(c) Director of Urban Program Coordination;

designation; powers and duties; studies of

urban and community problems and

recommendations for administration of Federal

programs affecting such problems.

(d) Assistant to Secretary; designation; duty to

provide information and advice to nonprofit

project sponsors.

(e) Special Assistant for Indian and Alaska Native

Programs; report to Congress.

(f) Federal Housing Administration Comptroller.

REGULATIONS: None.

3533a. Transferred.

REGULATIONS: None.

3534. Transfer of functions.

(a) Housing and Home Finance Agency, Federal Housing

Administration, and Public Housing

Administration.

(b) Government National Mortgage Association.

(c) Studies of organization of housing and urban

development functions and programs and

recommendations regarding transfer of such

functions and programs to or from Department.

(d) Prohibition of merger of Office.

REGULATION: 24 CFR § 201.

3535. Administrative provisions.

(a) Transfer of personnel, assets, etc.

(b) Repealed.

(c) Employment, compensation, authority, and duties

of personnel.

(d) Delegation of authority; rules and regulations.

(e) Temporary employment of experts or consultants;

compensation.

(f) Working capital fund; establishment; uses;

appropriations; capitalization; reimbursement.

(g) Seal.

(h) Financial transactions, finality; checking

accounts for funds in Treasury; availability of

funds for administrative expenses;

consolidation of cash for banking and checking

purposes.

(i) Foreclosure of property; actions for protection

and enforcement of rights; purchase of

property; dealing with property after such

acquisition; deprivation of State court civil

and criminal jurisdiction; impairment of civil

rights under State laws; application of section

5 of title 41; annual payments in lieu of local

property taxes; sale and exchanges of property;

insurance; modification of interest, time for

installment payment, and other terms; other

covenants, conditions, and provisions.

(j) Fees and charges.

(k) Gifts and services, acceptance; taxable status of

property; investments; disbursements.

(l) Consultants; appointment of advisory committees;

compensation and travel expenses.

(m) Occupancy preference in rental housing for

military personnel.

(n) Day care center for children of employees of

Department; establishment; fees and charges.

(o) Agenda of rules or regulations under development

or review; transmittal to Congress.

(p) Cost-benefit analysis of field reorganizations;

requirements, contents, etc.

(q) Waiver of regulations.

(r) Program evaluation and monitoring.

(s) Authorization of appropriations; allocations for

staff and training.

24 CFR §§ 1, 2, 4, 7-10, 12, 15-17, 20, 24-27, 29, 30, 35, 40-42, 44, 45, 50-52, 58, 70, 81, 84-87, 91, 92, 100, 103-105, 107-111, 115, 121, 125, 135, 146, 200-202a, 203, 204, 206, 207, 209, 211, 213, 215, 219-222, 225, 231-235, 236-238, 241-248, 251, 252, 255, 260, 261, 265-267, 278, 280, 290, 291, 300, 310, 320, 330, 340, 510, 511, 570, 572, 574, 576, 581-583, 585, 586, 590, 594, 595, 597, 600, 750, 760, 770, 791, 792, 799, 811-813, 840-842, 850, 880-888, 899, 901, 904, 906, 908, 912, 913, 941, 942, 945, 950, 953, 955, 960, 961-966, 968-970, 982-984, 990, 999, 1700, 1710, 1715, 1720, 1895, 2002-2004, 3280, 3282, 3283, 3500; 45 CFR § 12a; 48 CFR §§ 2401-2407, 2409, 2412-2417, 2419, 2420, 2422, 2424-2429, 2432-2434, 2436, 2437, 2442, 2446, 2449, 2451-2453.

3536. Annual reports.

REGULATIONS: None.

3537. Separability.

Regulation: 24 CFR § 86.

3537a. Prohibition of advance disclosure of funding decisions.

(a) Prohibited actions.

(b) Administrative remedies.

(c) Civil money penalties.

(d) Criminal penalties.

(e) Definitions.

(f) Regulations.

(g) Applicability.

REGULATION: 24 CFR § 4.

3537b. Repealed.

3537c. Prohibition of lump-sum payments.

REGULATIONS: None.

3538. Rescheduling and refinancing of Federal loans.

REGULATIONS: None.

3539. Housing and Urban Development Disaster Assistance Fund.

REGULATIONS: None.

3540. Repealed.

3541. Paperwork reduction.

(a) Declaration of policy.

(b) Uniform legal and other forms for use by agencies

in housing programs.

(c) Coordination and reports by Director of Office of

Management and Budget.

NO SPECIFICALLY LISTED HUD REGULATIONS Ð see OMB regulations at 5 CFR § 1320, particularly § 1320.6.

3542. Public notice and comment regarding demonstration programs

not expressly authorized in law.

REGULATIONS: None.

3543. Preventing fraud and abuse in Department of Housing and Urban

Development programs.

(a) Disclosure of social security account number.

(b) Definitions.

REGULATIONS: 24 CFR §§ 510, 750, 908.

3544. Preventing fraud and abuse in housing and urban development

programs.

(a) Definitions.

(b) Applicant and participant consent.

(c) Access to records.

(d) Effective date.

(e) Conditions of release of information by third

parties.

REGULATIONS: 24 CFR §§ 760, 908.

3545. HUD accountability.

(a) Notice regarding assistance.

(b) Disclosures by applicants.

(c) Updating of disclosure.

(d) Limitation of assistance.

(e) Administrative remedies.

(f) Civil money penalties.

(g) Agency procedures.

(h) Judicial review of agency determination.

(i) Action to collect penalty.

(j) Settlement by Secretary.

(k) Regulations.

(l) Deposit of penalties.

(m) Definitions.

(n) Effective date.

REGULATIONS: None.

3546. Use of domestic products.

(a) Prohibition against fraudulent use of ''Made in

America'' labels.

(b) Report.

(c) ''Domestic product'' defined.

REGULATIONS: None.

3547. Special projects.

REGULATIONS: 24 CFR § 58.

-CITE-

42 USC Sec. 3541 01/16/96

-EXPCITE-

TITLE 42 - THE PUBLIC HEALTH AND WELFARE

CHAPTER 44 - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

-HEAD-

Sec. 3541. Paperwork reduction

-STATUTE-

(a) Declaration of policy

The Congress finds and declares -

(1) that various departments, agencies, and instrumentalities

of the Federal Government with responsibilities involving housing

and housing finance programs, require, approve, use or otherwise

employ a variety of different forms as residential mortgages (or

deeds of trust or similar security instruments) as notes secured

by those mortgages, and for applications, appraisals and other

purposes, and that such duplication of forms constitutes a

paperwork burden that adds to the costs imposed on the Nation's

homeowners and home buyers;

(2) that unnecessary paperwork impairs the effectiveness of

Federal housing and housing finance programs;

(3) that both single-family and multi-family programs are

affected; and

(4) that simplification of paperwork imposed by Federal housing

and housing finance programs would contribute to achieving the

Nation's housing goals by reducing housing costs.

(b) Uniform legal and other forms for use by agencies in housing

programs

(1) Not later than October 1, 1980, the Secretary of Housing and

Urban Development, the Secretary of Agriculture, and the Secretary

of Veterans Affairs shall, consistent with provisions of law

governing the conduct of housing programs, employ in their

respective programs -

(A) uniform single-family and multi-family note and mortgage

forms;

(B) a uniform application form for mortgage approval and

commitment for mortgage insurance;

(C) a uniform form for computation of the monthly net effective

income of applicants;

(D) a uniform property appraisal form;

(E) a uniform settlement statement which shall satisfy the

requirements of the Real Estate Settlement Procedures Act of 1974

(12 U.S.C. 2601 et seq.); and

(F) such other consolidated or simplified forms, particularly

those which solicit identical or nearly identical information

from the same persons in the conduct of two or more such

programs, the consolidation or simplification of which the

Secretaries of Housing and Urban Development and Agriculture and

the Secretary of Veterans Affairs mutually agree would contribute

to a reduction in the paperwork and regulatory burden of such

programs.

(2) The Secretary of Housing and Urban Development, the Secretary

of Agriculture, and the Secretary of Veterans Affairs shall,

consistent with provisions of law governing their respective

programs, provide by regulation for the elimination of forms which

solicit information which is already available from other available

sources through indexing or other means of identifying such forms.

(3) Each agency referred to in subsection (b) of this section may

employ riders, addenda, or similar forms of modification agreements

to adapt such uniform forms to its respective programs and

policies, consistent with the goals of minimizing the use and

extent of such modification agreements and maximizing the

suitability of such forms for the use of all participants, public

and private.

(c) Coordination and reports by Director of Office of Management

and Budget

The Director of the Office of Management and Budget shall

coordinate and monitor the development and implementation by

Federal departments and agencies of the efforts required by

subsection (b) of this section and shall report to the Congress on

such development and implementation and with respect to any

provisions of law which unnecessarily prevent such departments and

agencies from carrying out the provisions of this section as part

of each report required under Public Law 93-556. Such report shall

include an estimate of the reduction of the level of paperwork

burden hours of the affected agencies as allocated by the Office of

Management and Budget.

-SOURCE-

(Pub. L. 95-557, title IX, Sec. 905, Oct. 31, 1978, 92 Stat. 2126;

Pub. L. 96-153, title III, Sec. 328, Dec. 21, 1979, 93 Stat. 1121;

Pub. L. 98-479, title II, Sec. 204(n)(4), Oct. 17, 1984, 98 Stat.

2234; Pub. L. 102-54, Sec. 13(q)(10), June 13, 1991, 105 Stat.

281.)

-REFTEXT-

REFERENCES IN TEXT

The Real Estate Settlement Procedures Act of 1974, referred to in

subsec. (b)(1)(E), Pub. L. 93-533, Dec. 22, 1974, 88 Stat. 1724, as

amended, which is classified principally to chapter 27 (Sec. 2601

et seq.) of Title 12, Banks and Banking. For complete

classification of this Act to the Code, see Short Title note set

out under section 2601 of Title 12 and Tables.

Public Law 93-556, referred to in subsec. (c), is Pub. L. 93-556,

Dec. 27, 1974, 88 Stat. 1789, which is set out as a note under

section 3501 of Title 44, Public Printing and Documents.

-COD-

CODIFICATION

Section was not enacted as part of the Department of Housing and

Urban Development Act which comprises this chapter.

-MISC3-

AMENDMENTS

1991 - Subsec. (b)(1), (2). Pub. L. 102-54 substituted

''Secretary of Veterans Affairs'' for ''Administrator of Veterans'

Affairs'' wherever appearing.

1984 - Subsec. (b)(1)(E). Pub. L. 98-479 inserted ''of 1974''

after ''Act''.

1979 - Subsec. (a). Pub. L. 96-153 reenacted subsec. (a) without

change.

Subsec. (b). Pub. L. 96-153 substituted, in provision preceding

par. (1)(A), ''Not later than October 1, 1980, the Secretary of

Housing and Urban Development, the Secretary of Agriculture, and

the Administrator of Veterans' Affairs shall, consistent with

provisions of law governing the conduct of housing programs,'' for

''Insofar as it is practicable and to the extent that such action

would result in a reduction in paperwork and regulatory burden, the

Department of Housing and Urban Development and the Veterans'

Administration shall'', inserted reference to Secretary of

Agriculture in par. (1)(F), added par. (2), redesignated former

par. (2) as (3), and struck out former par. (3), which authorized

the President to require the Farmers Home Administration and

Administrator of the Farmers Home Administration to comply with the

requirements of this section if such compliance would contribute to

a reduction in the paperwork and regulatory burden of housing and

housing finance programs administered by that agency.

Subsec. (c). Pub. L. 96-153 inserted provision requiring the

reports to include an estimate of the reduction of the level of

paperwork burden hours of the affected agencies as allocated by the

Office of Management and Budget.

REGULATIONS: OMB regulations at 5 CFR § 1320, particularly § 1320.6.

-CITE-

42 USC Sec. 3543 01/16/96

-EXPCITE-

TITLE 42 - THE PUBLIC HEALTH AND WELFARE

CHAPTER 44 - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

-HEAD-

Sec. 3543. Preventing fraud and abuse in Department of Housing and

Urban Development programs

-STATUTE-

(a) Disclosure of social security account number

As a condition of initial or continuing eligibility for

participation in any program of the Department of Housing and Urban

Development involving loans, grants, interest or rental assistance

of any kind, or mortgage or loan insurance, and to ensure that the

level of benefits provided under such programs is proper, the

Secretary of Housing and Urban Development may require that an

applicant or participant (including members of the household of an

applicant or participant) disclose his or her social security

account number or employer identification number to the Secretary.

(b) Definitions

For purposes of this section, the terms ''applicant'' and

''participant'' shall have such meanings as the Secretary of

Housing and Urban Development by regulation shall prescribe. Such

terms shall not include persons whose involvement is only in their

official capacity, such as State or local government officials or

officers of lending institutions.

-SOURCE-

(Pub. L. 100-242, title I, Sec. 165, Feb. 5, 1988, 101 Stat. 1864.)

-COD-

CODIFICATION

Section was enacted as part of the Housing and Community

Development Act of 1987, and not as part of the Department of

Housing and Urban Development Act which comprises this chapter.

REGULATIONS: 24 CFR §§ 510, 750, 908.




Alabama  |   Alaska  |   Arizona   |   Arkansas  |   California   |   Colorado  |   Connecticut  |   Delaware  |   Florida  |   Georgia  |   Hawaii  |   Idaho  |   Illinois  |   Indiana  |   Iowa  |   Kansas  |   Kentucky  |   Louisiana  |   Maine  |   Maryland  |   Massachusetts  |   Michigan  |   Minnesota  |   Mississippi  |   Missouri  |   Montana  |   Nebraska  |   Nevada  |   New Hampshire  |   New Jersey  |   New Mexico  |   New York  |   North Carolina  |   North Dakota  |   Ohio  |   Oklahoma  |   Oregon  |   Pennsylvania  |   Rhode Island  |   South Carolina  |   South Dakota  |   Tennessee  |   Texas  |   Utah  |   Vermont  |   Virginia  |   Washington  |   West Virginia  |   Wisconsin  |   Wyoming  |