The Midwest (Indiana, Ohio, Kansas) seems to be a popular choice on BP.

The point was made that the federal agencies are tied to procurement requirements that do not ensure the agency gets the best deal, the best provider or best value for the money as obvious with the best known government web site today.

Here's some info translated in poor english:*******************************************************************************Rental property with four residential buildings and a row of garages.Located near the lake and has partial sea views from the area.Very popular accommodation!

Assuming you are soliciting private money to be used for "business" purposes what you need to be concerned with are Federal and/or state securities laws.

Lending is covered under the UCC, federal and state regulations, which are closely tied together in various ways and a violation in one area can play on other regulatory issues, the new act is just part of the big picture.I realize that was not a simple answer, it's not a simple question as stated.HMLs need to know the new laws or be aware of them, sort of like driving down the street and knowing what the speed limit is, I can drive slow but I'll never know how fast I can go unless I know where the line is. :)

This is fresh off the presses:Goldman, Morgan to Become Full-Fledged BanksHere's a bit from the article:Goldman Sachs and Morgan Stanley, the last two independent investment banks, will become bank holding companies, the Federal Reserve said Sunday night, a move that will fundamentally alter the landscape of Wall Street.The move alters one of the models of modern Wall Street, the independent investment bank, soon after the federal government unveiled the biggest market intervention since the New Deal.

A couple of thoughts:It's the Federal government.

And Section 204 (h)(4) says that a state can become eligible for federal funds to help implement the program by "adopting by statute or regulation a requirement that buildings be assessed and labeled, consistent with the labeling requirements of the program established under this section," or "adopting a plan to implement a model labeling program consistent with this section within one year of enactment of this Act, including the establishment of that program within 3 years after the date of enactment of this Act, and demonstrating continuous progress under that plan."

In the case where GLD collapsed and it was found that there was some kind of underlying fraud, I think the federal government would be forced to make some kind of restitution to the investors.

//Quoting a popular articleThe annual loan constant is the sum of the annual mortgage payments—both principal and interest—divided by the mortgage balance.