Jim and Laura intend to buy a car, and upon visiting a dealer, they agree to give $100 deposit to hold the vehicle for a day. However, Jim and Laura later change their minds on purchasing the car upon which the dealer insists that the $100 deposit was meant to be part of the contract to purchase the car. The case raises important issues with regard to contract law. Therefore, before analyzing the facts of the case, it is essential to evaluate the various aspects that constitute a legally binding contract. An essential element of a legally binding contract ...
Essays on Comptroller
14 samples on this topic
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Introduction
In the United States, some bodies have been formed with the aim of preventing consumer and investor exploitation. These bodies are aimed at providing financial protection to the citizens. Some special laws such as Usury laws have also been formed to protect the citizens from exploitation. These bodies include the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency, the Security Exchange Commission and the Financial Industry Regulatory Authority (FINRA) (Mckay & Seale, 2000).
The Federal Deposit Insurance Corporation (FDIC) and its purpose
The Federal Deposit Insurance Corporation (FDIC) is an independent public corporation based in the United States. It was formed in the year 1933 ...
1. The Financial Crisis: Avoidable but Inevitable Theoretically, the financial crisis could have been avoided as investigation findings revealed . Under the circumstances however, the crisis was an inevitable consequence of everything that was going. The Federal inquiry concluded that the 2008 financial crisis could have been avoided. The crisis was the result of “widespread failures in government regulation, corporate mismanagement and heedless risk-taking by Wall Street”. It was the result of “greed, ineptitude or both” on the part of government and the private sector. Among the persons found responsible for the crisis included Federal Reserve Chairman Alan Greenspan and, ...
Identify the three branches of Texas government and describe their functions.
Texas was admitted as the 28th State back on 29 December 1845. This was nine years after its secession from Mexico in 1836. The current constitution of Texas was adopted in the year 1876 (“Texas State Government at a Glance, n.d.”). As a result, the Texas’ government operates under its Constitution, which comprises a type of unitary democracy for its state government, one that uses the Dillon Rule in addition to governments both at the municipal and county levels (“Abbott, n.d.”). The Constitution of Texas divides the power of state movement into three specific departments namely the legislative, executive ...
The 1876 Texas Constitution is among the most detailed state constitutions within the United States. There have been a significantly high number of proposed constitutional amendments since the document became operational on 15 February 1876 (Ericson). From the outset, it is important to note that the high number of amendments to the Texas Constitution is because it is highly restrictive given that the State of Texas can only exercise powers derived from the its Constitution. The Texas Constitution is similar to the other State constitutions because it provides for the separation of powers, but also includes some provisions that ...
1.0 Introduction 1.1 Overview of the condition
Obesity is defined as having a sex- and age- specific body mass index (BMI) at or above the ninety fifth percentile of national growth standards. Obesity is directly linked to excessive/abnormal fat accumulation. The BMI is a ratio of the body weight and height and is the most common and accurate measure of obesity because it correlates to the amount of body fat. In terms of BMI, a person is considered to be obese if s/he has a BMI of over 30 (which is often ≥20% the normal body weight). A body mass index ...
The Structure of the U.S. Banking System
Introduction
During the recent global financial crisis, critics have posed the question: does the repeal of Glass-Steagall have a positive or negative effect on the banking industry? Review of the structure of the U.S. banking system has culminated in some consensus that the U.S. government should bring back the Glass-Steagall Act. This is consistent with reporting by the FDIC (Federal Deposit Insurance Corporation), that more than one hundred twenty banking institutions have failed between 2007 and 2009, and this was largely in part due to high risk investments (i.e. mortgage backed securities).
First enacted ...
Tax Expenditure Budget: State of Illinois
Tax expenditure denotes the various tax breaks such as exemptions, credits, abatements, among others that are granted to individuals, institutions and various agencies for the common objectives of promoting equity and other taxation principles. In other words, tax expenditures have the predictable impact of reducing the revenue base which, otherwise, would have been derived from the forgone taxes. The tax expenditure is guided by a budget and the implementation reports are availed under the auspices of the Office of Comptroller of Budget of the State of Illinois. According to the available information, in the fiscal year 2011 alone, state agencies ...
[Professor]
Immigration Policy The United States more than any other country welcomes in its arms more immigrants and Texas, than any other state, lets in more foreign and domestic migrants. It’s almost half of all the newly arrived migrants residing in the mentioned state are born foreign. Amounting to over four million migrants, Texas has been considered as one of the top three states that has the most number of born foreign migrants living within its parameters. Texas immigration has been considered as both a consequence and a cause of fast state growth. The strength of the economy and ...
Bradley County- Comprehensive Annual Financial Report
Answer 1) Answer 2) The financial statements of the company are audited by Mr. Justin Wilson, Comptroller of Treasury, Department of Audit, Tennessee. The auditor in their report have provided an unqualified opinion to financial statements of the county stating that the financial statements of the company provide fair opinion relating to financial position of the Government activities of Bradley County.
Answer 3)
The transmittal letter by the mayor of the county briefly discusses the financial performance of the county and various other financial aspects. The authority begins his letter addressing that the financial statements of the county have ...
Form of Government and Structure
A close analysis of New York City shows that it utilizes a mayor-council system form of governance. The fact that New York City falls is structured under the City Charted offers a comprehensive platform that enhances the success of mayor-council system of governance. Another crucial factor that is worth noting with regards to New York City’s government is that it is more unified than any other U.S. city. This is evident by the fact that the city’s government coordinates a wider array of matters regarding public education, welfare services, water supply, public safety, sanitation, recreational facilities, correctional institutions, as well ...
In San Diego, there prevails an association of the regional cities and county government regarded as SANDAG. As an association of 18 cities coupled with county government, SANDAG entails San Diego association of governments. The public agency serves as a plausible forum inculcated for the regional decision-making facets. SANDAG constructs consensus, inculcates strategic plans, acquires and allocates resources, plans, engineers, and manage the construction of public transportation. Moreover, the public agency provides extensive information on a vast range of topics that are impactful on the pertinent region quality of life. As such, the public agency is focused on the improvement of ...
The Fraud Diamond Framework was an improvement on the earlier ‘Fraud Triangle’ used by forensic accountants to detect accounting fraud. David Wolfe and Dana Hermanson proposed the change to the Fraud Triangle by adding a fourth element of ‘capability,’ rechristening it “The Fraud Diamond.” The first element in the framework is ‘Incentive’ which arises from the greed to commit fraud. The second element of ‘Opportunity’ could be a potential weakness in the system that the precise person could exploit. The third element of ‘rationalization’ happens when a perpetrator convinces his/her own self that such deceitful behaviour is worth with the risk taken.The ...
The major financial crisis of 2007-2008 was caused by vending Fannie Mae-backed hypothecation packages, commercial real estates and the misuse of credit default swaps. Under the commercial real estate, the speculative real estate bubble in those years went beyond residential homes to affect all kinds of commercial real estate’s (Conserverpedia, 2013). To the extreme the bubble also affected office buildings, shopping centers, apartment complexes, casinos and hotels. This was characterized by people buying high with expectations of selling even higher. Contrary to their expectation, the market collapsed. The real estate creditors were expecting to get a 20% return but ...