#Insufficient Funds Attorney’s

[advocate-paresh-m-modi]

Cheque Bounce Lawyer In Ahmedabad | Cheque Dishonor Case Advocate in Ahmedabad | NI Act 138 Cheque Return Vakil in Ahmedabad

A cheque bounce happens due to insufficient account balance, expired validity of cheque and overwriting among other reasons. The cases of cheque bounce are quite common that nearly 40 lakh cases are pending, claim Supreme Court reports. Here, you will get to know the legal rights involved in the cheque bounce cases.

Section 138 of the Negotiable Instruments Act, 1881 is the primary law in the context of cheque bounce cases. We have personally observed and analysis the rights and remedies existing in cheque bounce cases.

These include the Complainant, accused, Summons, warrants, Non Bailable warrants, prosecuting attorneys, bail bonds, criminal defense Lawyers, magistrate judges, witnesses, Sometime FSL Department and many more.

At all stages of the criminal process, a person got the complaint registered, then Court will issue the summons to the accused, if not present then court will issue the warrant than non bailable warrants, whenever the accused present either he has to confess his guilt or has to face further legal proceedings. The NI Act 1881, Section 138 provide a remedy to the people who made a personal or Business financial Transactions and get the assured instruments like cheque with malafide intense of the accused. Advocate Paresh M Modi is Cheque Bounce Lawyer in Ahmedabad having enough experience regarding NI Act 1881. Advocate Paresh M Modi is also the Best Advocate in Ahmedabad, Gujarat, Specialist of Negotiable Instrument Act 1881, Section 138. He is the Best Lawyer near me for Cheque Return Cases, Criminal Cases, Family Matters and Civil Matters in Ahmedabad, Gandhinagar, Nadiad, Anand, Baroda, Vadodara, Surat and other Small town of Gujarat State Call Now : 9925002031.

Expertise :

As a Cheque Bounce advocates we have very good experience. we know how to do interpretation of each section of NI Act 1881, our professional team of Criminal lawyers knows how to file the complaint for Cheque Return Case and handle the Complainant, accused, Bank Officers, Postal Departments person, witnesses during the cross examination and also knows how to identified weak section of the Case like, contention of legal notice, Reply of notice, complaint and entire case facts.

As a procedure People who are found to have violated a criminal statute — whether through their own confession by a “guilty” plea or as a result of a entire trial case, they can be punished through imprisonment up to 2 years with the fine of up to double amount of bounced cheque and other penalties may be imposed.

But in all situation our best cheque Dishonor lawyers are handling the matter and due to good experience, we have proven records of some benchmark cases of individuals and corporates.

At present we are taking care of number of companies and NBFC’s cheque bounce cases in Ahmedabad, Gandhinagar, Nadiad, Anand, Baroda, Vadodara, Surat and other Small cities of Gujarat State.

Offer :

As a Specialist lawyer of Cheque Bounce cases, Negotiable Instrument Act 1881, Section 138 cases, we are offering legal services in Gujarat for entire case handling for complainant as well as Accused. Our services begins from legal notice or Reply of legal notice for cheque bounce to final order of Hon’ble court as well as Accused.

Except NI Act 138 cheque Return Cases, We do Bail Application – Appeal in session court and Gujarat High Court for different types of criminal cases like financial Fraud, Property cheating Murder prohibition PASA NDPS drug PMLA Act Case, Cyber-crime and other lots of crime.

Result or Benefits :

As per Advocates Act 1961, lawyers cannot give assurance and guaranty or warranty of result and time in any form but we assured that our clients will get good legal services from specialized Criminal lawyers and Advocates. They will get good guidance, perfect legal remedies as well as result oriented efforts of our team and thus our intelligent Advocates may be able to negotiate a compromise with the prosecution for the benefit of our client, As an experienced lawyers, we can give you the best options for your Criminal case and defend you at trial Court, Session Court and High Court.

Frequently Asked Questions :

1. What is a negotiable instrument act and its types? Ans. A negotiable instrument is a legal document written and signed by one party to ensure it will pay or repay the required amount within a specific time range or on-demand. It is transferable, and an individual or entity has the liberty to decide whether they want to encash it or transfer it to consecutive payees.

2. Is there bail for cheque bounce case? Ans. Dear client, There is no anticipatory bail for offence under cheque dishonor. The offence is a bailable offence. The parameters to be considered is when was the cheque issued, when was it presented in the bank and the burden to prove the transaction lies with the complainant.

3. What is the time limit to file the cheque bounce case? Ans. As per Negotiable Instruments Act, legal notice must be sent within 30 days from the date of cheque bounce. Thereafter within 15+30=45 days from the date of sending the legal notice, case must be filed. In case the case is filed beyound that time then the same shall be time barred.

4. Who is the best Lawyer For Bounced Cheque in Ahmedabad? Ans. Advocate Paresh M Modi is the best lawyer in Ahmedabad for cheque bounce cases (Negotiable instrument act 1881).

5. As an Accused, to whom I have to consult for my NI Act cheque Bounce Case in Gujarat State? Ans. If really you want to defend your case as an Accused, you must hire the Advocate Paresh M Modi for your complicated criminal Case of NI Act section 138.

[foreverlogical]

In a New York Times profile of the Michigan Republican Party, state Rep. Lisa McClain offers a quintessentially stoic midwestern insight about the ailing state party that perfectly sums up the GOP's national dynamic too.

“It’s not going real well," McClain told the Times' Nick Corasaniti.

“The ability to raise money," she continued, "we’ve got a lot of donors sitting on the sideline. That’s not an opinion. That’s a fact. It’s just a plain fact. We have to fix that.”

Though McClain was assessing the divide between the state's monied benefactors, such as former Trump Education Secretary Betsy DeVos, and its Trumpy grassroots activists, she may as well have been talking about national GOP donors' frantic search for a savior as the MAGA grassroots coalesce around Donald Trump for the 2024 nomination.

In fact, Corasaniti's piece—an anatomy of GOP dysfunction encapsulated by the Republican Party in a Rust Belt swing state—mirrors rifts emerging across the country at both the state and national levels. Corasaniti portrays a party coming apart at the seams after its drubbing in the '22 cycle in a state where Republicans roundly lost the gubernatorial contest, every statewide executive office (e.g., attorney general and secretary of state), and control of both legislative chambers. A hat trick, if you will.

The key cast of characters includes:

Tudor Dixon, 2022 gubernatorial nominee, Bible-thumper, anti-abortion activist, and former right-wing news host.

Fervent 2020 election deniers Kristina Karamo and Matthew DePerno, 2022 GOP nominees for secretary of state and attorney general, respectively.

Meshawn Maddock, former co-chair of the Republican Party and leader of Women for Trump, who has been charged in the fake elector scheme.

The DeVos family, longtime Republican Party donors and Michigan establishment heavyweights.

Every one of those is effectively a stand-in for similarly situated Republican players in GOP apparatuses around the country.

Following Michigan Republicans' midterm election implosion, a round of rapid-fire finger-pointing broke out, with MAGA party officials blaming Dixon for a toxic near-total abortion ban position and soft fundraising, Dixon blaming both the party and old-guard donors for her campaign's collapse, and party officials chastising donors for insufficiently funding their cuckoo election-denying candidates.

Corasaniti writes:

A state party autopsy days after the election, made public by Ms. Dixon, acknowledged that “we found ourselves consistently navigating the power struggle between Trump and anti-Trump factions of the party” and that Mr. Trump “provided challenges on a statewide ballot.”

True enough. On the national stage, every 2024 Republican hopeful but Trump is presently trying to thread the needle of enthusing high-dollar donors while managing to peel away pro-Trump voters open to alternatives.Campaign Action

Back in Michigan, establishment type Dave Trott, a retired GOP congressman and former state party donor, dished about the Republican elite's distrust of former GOP co-chair Maddock, a MAGA activist.

"Meshawn was never connected to the donor base, and so having her as the vice chair [of the party] for a lot of us was a showstopper,” Trott explained. "We just knew she would never be someone that would be rational in her approach to state party politics."

In response, Maddock expressed a reciprocal lack of trust in the party's establishment muckety-mucks.

“The state party needs the wealthy RINOs who often fund it to come to terms with what the actual voters on the right want,” Maddock told the Times. Wealthy donors, she added, need to treat the base "with an ounce of respect for once.”

The same could be said of national Republican donors who have never crossed paths with actual base voters and apparently still believe Virginia Gov. Glenn Youngkin can save them from Trump.

That same mutual distrust and disgust between establishment Republican donors and state party officials is also playing out in Georgia, where popular Republican Gov. Brian Kemp warned well-heeled donors earlier this year they could "no longer rely on" the state Republican Party to win elections. Kemp has effectively built a parallel political apparatus after urging donors to abandon the pro-Trump state party.

And then there are the anti-abortion zealots pointing fingers at everyone else for their own deeply unpopular position. Dixon's support for a strict abortion ban doomed her candidacy, just like the efforts of Ohio Republicans to ban abortion there sank an anti-abortion ballot measure earlier this month.

Following that loss, the nation's premier forced birther group, Susan B. Anthony Pro-Life 

America, castigated establishment Republicans and the business community for not pulling their weight in the battle to pass the measure, which would have significantly raised the bar for enshrining abortion protections in Ohio's constitution.

All across the nation, the Republican Party is reckoning with the deal it cut with the devil. In swing states like Michigan and Georgia, red states like Ohio, and nationally, the GOP is cracking up as different factions variously cling to or reject Trump. The damage done may not be fully realized until voters cast their ballots next year, but the Republican Party is entering 2024 in a position so precarious that it almost defies historical comparison.

[dontmeantobepoliticalbut]

Pennsylvania’s public defenders are so underfunded and overburdened that the commonwealth violates the constitutional rights of more than 100,000 criminal defendants every year, the state chapter of American Civil Liberties Union claims in a lawsuit filed Thursday.

For decades, Pennsylvania has left counties to pay for attorneys to defend people facing criminal charges who can’t afford to pay for a lawyer themselves. The result is an inconsistent patchwork in which public defenders are forced to contend with unmanageable caseloads that leave them unable to properly represent clients, the lawsuit says.

The suit was filed in Commonwealth Court on behalf of 17 people, many of whom have been jailed while awaiting trial for six months or longer, claiming public defenders have failed to properly represent them and that the state has neglected its constitutional duty to provide representation.

“The inconsistent and insufficient funding of indigent defense in Pennsylvania makes us less safe,” ACLU of Pennsylvania Executive Director Mike Lee said in a news release about the lawsuit. Lee added that with the exception of Philadelphia, Pennsylvania is tied with Mississippi for the lowest funded state public defender system on a per-resident basis.

The U.S. and Pennsylvania constitutions both provide the right to counsel for anyone charged with a crime and facing jail time, ACLU of Pennsylvania Legal Director Witold Walczak said.

“That right means more than a warm body with a law degree at your side; it requires an effective professional who has the time and resources to prepare a defense,” Walczak said. “Pennsylvania’s grossly under-funded system leads to overwhelming caseloads that make effective representation practically impossible, even for the most dedicated lawyers.”

The 152-page suit details the experiences of the plaintiffs and others in criminal cases where they lacked timely and adequate representation from public defenders. Most have only spoken to their attorneys once or twice and one plaintiff claims he only met his attorney because they happened to walk past while he was cutting grass outside the jail, the suit claims.

In one example, a Northampton County man sat in jail for nearly three months on charges of driving an unregistered vehicle without proof of insurance until a public defender argued for a reduction in his bail.

The suit, which is a proposed class-action on behalf of the 17 plaintiffs and others in similar situations, names Gov. Josh Shapiro, state Senate Pro Tempore Kim Ward, and House Speaker Joanna McClinton as defendants. A spokesperson for Ward said she has not received a copy of the suit and would need time to review it before commenting.

Spokesperson Nicole Reigelman noted that McClinton began her career as a public defender, and “knows firsthand the value that indigent defense plays in the judicial system.”

“Since being elected in 2015, she has used her experience as a defender to inform her policy agenda and has been an outspoken champion of legislation to improve access to legal counsel for indigent clients. Speaker McClinton celebrated when funding for indigent defense was finally included in the 2023-24 state budget and continues to advocate for additional dollars,” Reigelman said in a statement.

The current state budget included $7.5 million for indigent defense, the first time the state has provided funding for public defenders. In his February 2023 budget address, Shapiro noted that Pennsylvania is one of only two states that didn’t provide funding for public defenders, which he called a “shameful distinction.”

The suit notes that amount falls far short of providing adequate funding. It also states that every county in Pennsylvania, with the exception of Philadelphia, falls below the national average of $19.82 per resident spent on indigent defense.

Pennsylvania counties spent a total of $125 million on their public defender’s offices in 2020, while similarly-sized Michigan is budgeted to spend $319 million in 2024. Massachusetts, which is considerably smaller, budgeted $331 million.

And because counties are limited in their ability to generate tax revenue, they could not provide adequate funding without significant tax increases. The suit notes that the same factors that limit revenues, such as high unemployment, poverty and limited higher education, are also indicators of higher crime rates.

The ACLU also argues that Pennsylvania agencies have been warning for decades that the state’s delegation of funding for public defenders to the counties results in the systemic denial of counsel to criminal defendants.

A state Supreme Court study in 2003 found that sparse resources and “exploding and unmanageable caseloads” allow public defenders little time, training or assistance in communicating with clients in a meaningful way or to conduct pre-trial investigations, secure expert testimony or otherwise prepare for hearings and trials.

The report recommended that Pennsylvania institute a statewide system for funding and overseeing indigent defense. The state failed to act on the recommendation. Nearly a decade later, a legislative commission reached a similar conclusion. And in 2020 the Pennsylvania Interbranch Commission for Gender, Racial and Ethnic Fairness warned that the underfunding of indigent defense services cost the state hundreds of thousands of dollars a year to incarcerate and retry defendants due to failure of public defenders to represent them effectively.

In connection with the funding for public defenders as part of the 2023-24 budget, the General Assembly created the Indigent Defense Advisory Committee.

“As one of its first official acts, one of the Committee’s two proposed standards recognized that “[t]he responsibility to provide indigent defense representation rests with the state; accordingly, there should be adequate state funding and oversight of Indigent Defense Providers,” the lawsuit notes.

[quantumresidency]

What EB-5 Investors Need to Know to Avoid I-526 E Filing Mistakes

Navigating the EB-5 Immigrant Investor Program can be complex, and filing Form I-526E accurately is crucial for a successful application. This blog post will cover everything you need to know to avoid common mistakes and ensure your I-526 E filing goes smoothly.

What Is Form I-526E?

The Importance of Getting Form I-526E Right

Filing Form I-526E correctly is essential for several reasons:

Avoid Delays: Mistakes or inaccuracies can lead to significant delays in processing your petition.

Prevent Denial: Errors can result in your petition being denied, potentially jeopardizing your investment and immigration goals.

Ensure Compliance: Properly completing the form ensures that you meet all legal requirements of the EB-5 program.

Common Mistakes When Filing Form I-526E

Incomplete or Inaccurate Information Most common mistakes involve giving incorrect or incomplete details. Some of these contain lacking particulars on investment or private data. Therefore, confirm everything twice to avoid mistakes

Insufficient Supporting Evidence Your petition must be supported by substantial evidence demonstrating that your investment meets EB-5 requirements. Common issues include failing to provide adequate proof of the source of funds or the creation of required jobs.

Failure to Meet EB-5 Program Requirements Ensure that your investment adheres to all EB-5 program requirements, including the minimum investment amount and the creation of at least 10 full-time jobs for U.S. workers. Failure to meet these criteria can result in denial.

Incorrect Filing Fees Submitting incorrect filing fees can delay your petition or lead to its rejection. Verify the current fee structure and include the correct amount with your Form I-526E.

How to Avoid Mistakes on Form I-526E

Thoroughly Review Requirements: Familiarize yourself with the EB-5 program requirements and Form I-526E instructions to ensure compliance.

Double-Check Information: Carefully review all information for accuracy and completeness before submission.

Gather Comprehensive Evidence: Ensure all required supporting documents are included and meet the standards set by the USCIS.

Consult with Professionals: Engage immigration attorneys or advisors experienced in EB-5 cases to review your form and documentation.

What to Do When an I-526E is Filed With Errors

If you discover errors after filing Form I-526E:

Contact USCIS: Reach out to USCIS to determine the best course of action. In some cases, you may be able to amend your petition.

Submit a New Petition: If necessary, you may need to submit a new Form I-526E with corrected information.

Seek Professional Help: Consult with an immigration attorney to address any issues and ensure that your revised petition is accurate and complete.

Quantum Global Residency Can Help You Through the EB-5 Process

At Quantum Global Residency, we specialize in guiding investors through the EB-5 process with precision and care. Our seasoned staff will assist you in completing your Form I-526E properly and support you during your journey of investment. Reach out to us today to know how we can help realize your immigration and investment aspirations.

[wilsonchanlaw]

Understanding DBE Certification New York and How a DBE Attorney New York Can Help with the Appeal Process

Disadvantaged Business Enterprise (DBE certification New York) is a crucial designation for minority-owned and woman-owned businesses aiming to compete for federally funded transportation projects in New York. Achieving this certification can significantly enhance business opportunities, but the application process can be complex and challenging. If your application is denied, understanding how to appeal is critical. Here’s where a specialized DBE attorney New York comes into play.

What is DBE Certification?

DBE certification New York is a federal program designed to increase the participation of minority and woman-owned businesses in state and local transportation projects that receive federal funding. This program aims to level the playing field by providing equal opportunities to businesses that historically faced disadvantages.

In New York, the certification is administered by the New York State Department of Transportation (NYSDOT) and the Metropolitan Transportation Authority (MTA). To qualify, a business must be at least 51% owned, managed, and controlled by socially and economically disadvantaged individuals. Additionally, the business must meet specific size standards set by the Small Business Administration (SBA).

The Importance of DBE Certification in New York

DBE certification New York opens doors to a plethora of contracting opportunities. Certified DBEs are eligible to bid on a variety of transportation projects, ranging from road construction to public transit improvements. This certification not only enhances the business's visibility but also fosters growth by allowing it to participate in large-scale, lucrative projects.

Challenges in Obtaining DBE Certification

The path to obtaining DBE certification New York is fraught with stringent requirements and extensive documentation. Applicants must provide detailed information about their business operations, financial standing, and the personal net worth of the disadvantaged owners. Common reasons for denial include insufficient documentation, failure to demonstrate control over the business, or not meeting the economic disadvantage criteria.

How a DBE Attorney New York Can Assist

Facing a denial of your DBE certification New York application can be disheartening, but it’s not the end of the road. A knowledgeable DBE attorney New York can guide you through the appeal process, which involves several critical steps:

Understanding the Denial Reasons: The first step in the appeal process is to thoroughly understand why your application was denied. A DBE attorney New York will meticulously review the denial letter and identify areas where your application may have fallen short.

Gathering Additional Evidence: To build a strong appeal, it’s essential to gather supplementary documentation and evidence that addresses the reasons for denial. This may include financial statements, proof of control, or additional affidavits.

Preparing the Appeal: Crafting a compelling appeal requires a deep understanding of DBE regulations and the ability to present your case effectively. A seasoned DBE attorney New York will ensure that your appeal is comprehensive and persuasive, enhancing your chances of success.

Representing Your Interests: Throughout the appeal process, having a DBE attorney New York means you have an advocate who understands the intricacies of DBE laws and regulations. They will represent your interests in hearings and communications with the certifying agency.

Conclusion

Securing DBE certification New York can be a transformative step for your business, paving the way for significant growth and opportunities. However, the complexity of the certification process and the high likelihood of initial denials make it imperative to seek professional assistance. A DBE attorney New York not only helps navigate the certification process but also stands by you during the appeal, ensuring that your business gets the fair chance it deserves.

For businesses aiming to thrive in the competitive landscape of federally funded projects, understanding and leveraging DBE certification New York is essential. With the right legal guidance, you can overcome obstacles and unlock the benefits that come with this valuable designation. If you’re facing challenges with your DBE certification New York, don't hesitate to consult a specialized DBE attorney New York who can help turn your aspirations into reality.

Contact us: –

Wilson Chan

Email: — info@wilsonchanlaw.com

Website: — https://www.wilsonchanlaw.com/

Address: — 733 Third Avenue, 16th Floor, New York, NY 10017

Contact: — (646) 790–5848

[marisatuito]

Article 1284

Article 1284. When one or both debts are rescissible or voidable, they may be compensated against each other before they are judicially rescinded or avoided.

Case Digest

Associated bank vs. Vicente Henry Tan

FACTS:

          Respondent Tan is a businessman and a regular depositor-creditor of the petitioner, Associated Bank.  Sometime in September 1990, he deposited a postdated check with the petitioner in the amount of P101,000 issued to him by a certain Willy Cheng from Tarlac. The check was duly entered in his bank record.    Allegedly, upon advice and instruction of petitioner that theP101,000 check was already cleared and backed up by sufficient funds, respondent, on the same date, withdrew the sum of P240,000 from his account leaving a balance of P57,793.45.

A day after, TAN deposited the amount of P50,000 making his existing balance in the amount of P107,793.45, because he has issued several checks to his business partners. However, his suppliers and business partners went back to him alleging that the checks he issued bounced for insufficiency of funds. Thereafter, respondent informed petitioner to take positive steps regarding the matter for he has adequate and sufficient funds to pay the amount of the subject checks. Nonetheless, petitioner did not bother nor offer any apology regarding the incident. Respondent Tan filed a Complaint for Damages on December 19, 1990, with the RTC against petitioner. 

The trial court rendered a decision in favor of respondent and ordered petitioner to pay damages and attorney’s fees.  Appellate court affirmed the lower court’s decision. 

CA ruled that the bank should not have authorized the withdrawal of the value of the deposited check prior to its clearing. Petitioner filed a Petition for Review before the Supreme Court.

ISSUE:

Whether or not the petitioner has the right to debit the amount of the dishonored check from the account of respondent on the ground that the check was withdrawn by respondent prior to its clearing

HELD:

The Petition has no merit.

The real issue here is not so much the right of petitioner to debit respondent’s account but, rather, the manner in which it exercised such right.  Banks are granted by law the right to debit the value of a dishonored check from a depositor’s account but they must do so with the highest degree of care, so as not to prejudice the depositor unduly.  The degree of diligence required of banks is more than that of a good father of a family where the fiduciary nature of their relationship with their depositors is concerned.  In this case, petitioner did not treat respondent’s account with the highest degree of care.  Respondent withdrew his money upon the advice of petitioner that his money was already cleared.  It is petitioner’s premature authorization of the withdrawal that caused the respondent’s account balance to fall to insufficient levels, and the subsequent dishonor of his own checks for lack of funds.

[isaiahnoelarcenas]

Social Justice and Legal Education

Constitution and legal system: The social justice and human rights values enshrined in the Philippine Constitution offer a legal framework for defending the rights of all citizens, especially the underprivileged groups in Mindanao. More justice and fairness can also be achieved by laws and policies that preserve indigenous rights, the environment, and land rights. The Bangsamoro Autonomous Region in Muslim Mindanao, or BARMM, was established in 2019 with the intention of addressing historical injustices and giving Indigenous Muslims and other cultural communities the ability to choose their own development goals. Legal aid: For individuals who cannot afford private attorneys, free or inexpensive legal services from agencies such as the Public Attorney's Office, non-governmental groups, and law schools help guarantee access to justice. This is especially important for Mindanao's underprivileged populations that are threatened by human rights abuses, land grabs, or displacement. Pro bono initiatives: To support underprivileged people and communities, a large number of attorneys and other legal experts donate their time and knowledge, which helps to fund pro bono legal services in Mindanao. Community-based paralegals: Skilled individuals in the community can offer fundamental legal support and increase knowledge of rights and privileges, enabling the local populace to successfully traverse the legal system. Human rights organizations: Groups like the National Union of Peoples' Lawyers and the Mindanao Human Rights Center work to protect human rights, keep track of violations, and advance legislative and policy changes that assist Mindanao's underprivileged populations. Public interest litigation: Attorneys can utilize strategic litigation to oppose legislation that discriminate against their clients, hold government officials responsible for violating their human rights, and protect the rights of marginalized communities. Advocating for policies: Attorneys and other legal professionals can influence laws and policies that advance social justice and specifically address issues that the people of Mindanao experience by participating in the formulation and legislative processes. Notwithstanding these efforts, there remain obstacles and restrictions: Insufficient availability of legal services: A lot of Mindanao's communities, especially those in outlying areas, still do not have access to legal aid or competent legal counsel. Corruption and impunity: Weak legal systems and corruption can make it more difficult for the disadvantaged to access the court system. Complexities of the conflict: Mindanao's protracted conflict presents special difficulties that frequently call for comprehensive solutions that go beyond merely legal actions. All things considered, even though the legal system and the legal profession have their limitations, they nevertheless contribute significantly to the advancement of social justice and the general welfare of the people of Mindanao by offering structures for defending rights, guaranteeing access to the legal system, pushing for change, and confronting injustices. To guarantee that law and the legal profession successfully contribute to a more just and equitable society in Mindanao, ongoing efforts to fortify legal institutions, enhance access to legal services, and address the underlying causes of inequality are imperative.

[frnwhcom]

Unraveling the Watergate Seven: A Deep Dive into Political Infamy

The Watergate scandal, a seismic event in the annals of American political history, not only precipitated the downfall of President Richard Nixon but also introduced the world to the "Watergate Seven." This moniker refers to seven of Nixon's advisors and associates embroiled in the scandal following the 1972 break-in at the Democratic National Committee headquarters at the Watergate office complex in Washington, D.C. Their actions, and the subsequent cover-up, would lead to a constitutional crisis, culminating in Nixon's resignation—the only time a U.S. president has resigned from office. The Core Seven The Watergate Seven comprised key figures within Nixon's administration and reelection campaign, each playing distinct roles in the scandal and its aftermath. Here's a closer look at these individuals: - H.R. Haldeman: Nixon's Chief of Staff, Haldeman was deeply involved in the cover-up efforts. His unwavering loyalty to Nixon ultimately contributed to his downfall. - John Ehrlichman: As Assistant to the President for Domestic Affairs, Ehrlichman oversaw the "plumbers," a covert unit established to stop leaks of classified information, among other duties. - John N. Mitchell: The former Attorney General and later the head of Nixon's reelection campaign, Mitchell was implicated in both the planning and cover-up of the Watergate break-in. - Charles Colson: Special Counsel to the President, Colson was known for his role in orchestrating the break-in and other "dirty tricks" against political opponents. - Gordon C. Strachan: An aide to Haldeman, Strachan was involved in the transfer of information and funds to the Watergate burglars. - Robert Mardian: Serving as a political aide, Mardian played a part in the early stages of the cover-up before his case was severed during the trial due to insufficient evidence. - Kenneth Wells Parkinson: A lawyer for Nixon's reelection committee, Parkinson was involved in the legal aspects of the cover-up. He was ultimately acquitted, highlighting the complexities of proving guilt within the tangled web of the scandal. These individuals faced charges including conspiracy, obstruction of justice, and perjury, reflecting the lengths to which Nixon's administration went to hide its activities. The trials and convictions (except for Parkinson) of these figures underscored the gravity of the administration's actions and led to significant political and legal reforms in the United States. The Indictments and Aftermath In March 1974, these seven individuals were indicted by a grand jury for their roles in the Watergate cover-up. The charges ranged from conspiracy, obstruction of justice, to perjury, laying bare the extent of the administration's illegal activities. The trials that followed would captivate the nation, revealing a sordid tale of political espionage, sabotage, and ethical compromise at the highest levels of government. The convictions and subsequent incarcerations of several members of the Watergate Seven underscored the scandal's gravity. Moreover, their legal battles and Nixon's eventual pardon of some underscored the profound challenges to the legal and political systems of the United States. Legacy and Reform The Watergate scandal and the actions of the Watergate Seven (both groups) had profound and lasting effects on American politics and governance. It led to the resignation of President Nixon in August 1974, a moment unparalleled in U.S. history. In response to the scandal, Congress enacted a series of reforms aimed at improving transparency in government and reducing the influence of money in politics, including the Federal Election Campaign Act amendments and the creation of the Federal Election Commission. Furthermore, Watergate left a lasting legacy on American political culture, introducing a level of skepticism toward political leaders and institutions. It also led to a significant shift in journalistic practices, with investigative journalism gaining prominence and credibility for its role in uncovering the truth behind the scandal. The Watergate Seven, emblematic of a broader culture of secrecy and illegality within the Nixon administration, forever altered the American political landscape. The scandal led to sweeping reforms aimed at increasing transparency and accountability in government, including the passage of the Federal Election Campaign Act amendments and the creation of the Federal Election Commission. Moreover, Watergate instilled in the American public a deep-seated skepticism towards political leaders, a legacy that persists. It served as a stark reminder of the fragility of democracy and the importance of vigilance and integrity in public office. The Watergate Seven, symbolize a watershed moment in American political history. Their actions and the subsequent fallout highlighted the importance of accountability, transparency, and the rule of law in safeguarding democracy. The legacy of Watergate continues to influence political discourse, governance, and public trust in elected officials, serving as a powerful reminder of the consequences of political malfeasance. Read the full article

[legal2001]

Unraveling the Legal Predators: Check Bounce Punishment and the Sharks of the Law

Introduction:

In the vast sea of financial transactions, the term "check bounce punishment" surfaces as a warning buoy for those who navigate the waters of monetary exchanges. As individuals engage in various financial activities, the repercussions of a bounced check become a legal battleground where predators of the law, akin to sharks in the ocean, await their chance to strike.

Understanding Check Bounce:

A bounced check occurs when there are insufficient funds in the issuer's account to cover the amount written on the check. This seemingly simple act can trigger a cascade of legal consequences, transforming the financial transaction into a legal minefield. The legal sharks, in this case, are institutions and authorities tasked with upholding financial regulations.

Legal Consequences:

The punishment for a bounced check varies depending on jurisdiction, but common consequences include financial penalties, legal action, and damage to one's credit score. Financial institutions typically charge fees for bounced checks, adding a layer of punishment beyond the initial transaction. The amount of these fees can be substantial, depending on the policies of the bank involved.

Civil and Criminal Implications:

In many jurisdictions, bouncing a check is considered a criminal offense. The severity of the punishment depends on factors such as the amount of the bounced check, the intent behind the action, and the individual's past record. The legal sharks may pursue criminal charges, turning a financial matter into a legal battle that could result in fines or even imprisonment.

Recovery Measures:

To recover the funds and address the consequences of a bounced check, the payee may resort to legal measures. This could involve filing a complaint with law enforcement agencies or taking the matter to small claims court. The legal sharks, in this scenario, may act on behalf of the aggrieved party, ensuring that justice is served and financial losses are recuperated.

Legal Defenses:

While facing the consequences of a bounced check, individuals may employ legal defenses to mitigate the impact. Common defenses include lack of knowledge, mistake, or issues with the transaction itself. However, the effectiveness of these defenses may vary, and navigating the legal waters requires a skilled attorney to ward off the sharks of the law.

Credit Score Ramifications:

A bounced check doesn't just result in immediate financial penalties; it can also leave a lasting mark on one's credit history. The legal sharks in the financial sector use credit reporting agencies to document instances of bounced checks, impacting the individual's credit score. A lower credit score can affect future financial transactions, making it imperative to tread carefully in the waters of fiscal responsibility.

Preventive Measures:

To avoid falling prey to the sharks of the law in the realm of bounced checks, individuals can take preventive measures. Maintaining a diligent check on account balances, setting up overdraft protection, and communicating transparently with payees can help navigate these treacherous waters.

Conclusion:

In the intricate world of financial transactions, the consequences of a bounced check can unleash legal predators akin to sharks in the vast ocean. Understanding the intricacies of check bounce punishment, its legal ramifications, and the potential long-term effects on one's financial standing is crucial. By staying informed and taking preventive measures, individuals can navigate these waters with caution and mitigate the risks of encountering the sharks of the law.

[bigchadlaw]

Nursing Home Abuse Attorney: Unveiling the Most Common Forms of Mistreatment in Nursing Homes

The search for justice in cases of nursing home mistreatment often leads individuals to seek the assistance of a specialized legal professional, a nursing home abuse attorney. 

These legal experts play a crucial role in advocating for the rights of elderly residents who may fall victim to various forms of abuse within care facilities. 

Delving into the most common mistreatment in nursing homes reveals a disturbing landscape that demands attention and intervention.

Instances of neglect, a pervasive form of abuse, frequently arise within nursing homes. Residents may suffer from inadequate medical attention, hygiene neglect, or insufficient assistance with daily activities, all of which contribute to a decline in their overall well-being. 

Nursing home abuse attorneys often encounter cases where staff shortages and lack of proper training are key contributors to neglect.

Physical abuse, another prevalent form of mistreatment, involves the use of force resulting in bodily harm or injury to nursing home residents. 

This can include unwarranted restraint, improper administration of medications, or physical assault by staff members. 

Nursing home abuse attorneys tirelessly work to expose such instances and hold perpetrators accountable for their actions.

Emotional and psychological abuse, though less visible, can have severe and lasting effects on elderly individuals. 

Verbal abuse, threats, intimidation, and isolation are common tactics employed by some staff members, leading to emotional distress and a deterioration of mental health among nursing home residents. 

Attorneys specializing in nursing home abuse cases strive to bring justice to victims of such psychological mistreatment.

Financial exploitation emerges as a significant concern within nursing homes, with vulnerable residents falling prey to unscrupulous individuals seeking to exploit their financial resources.

 Nursing home abuse attorneys investigate cases involving unauthorized use of funds, identity theft, and coercion, aiming to safeguard the financial well-being of elderly clients.

Sexual abuse is a deeply distressing and underreported form of mistreatment in nursing homes. Victims often face barriers in disclosing such incidents due to fear, shame, or cognitive impairment. 

Nursing home abuse attorneys play a crucial role in creating a safe space for victims to come forward, ensuring that perpetrators are held accountable for their heinous actions.

In many instances, nursing home residents may experience a combination of these abuses, amplifying the physical and emotional toll on their lives. 

The fight against nursing home mistreatment requires a comprehensive approach, with nursing home abuse attorneys serving as advocates for justice, seeking compensation for victims, and pushing for systemic changes within the elder care industry.

As the demand for nursing home abuse attorneys continues to rise, it underscores the urgent need for improved regulations, increased oversight, and enhanced training within the nursing home industry. 

By shedding light on the most common forms of mistreatment, these legal professionals play a crucial role in promoting accountability and safeguarding the rights and dignity of elderly individuals residing in nursing homes.

[advocate-paresh-m-modi]

Cheque Bounce Lawyer In Ahmedabad | Advocate for Cheque Return Case | Advocate Paresh M Modi

[foreverlogical]

Jeffrey McConney, former controller for the Trump Organization, is among the people who has testified in the bench trial for New York Attorney General Letitia James' civil fraud case against the company.

James alleges that former President Donald Trump and his company seriously exaggerated the value of its real estate assets — an allegation that Justice Arthur Engoron, assigned to the case, agreed with in a September 26 ruling. And McConney has offered testimony on the Trump Organization's operations.

Trump's legal team has claimed that McConney has insufficient knowledge where property valuations are concerned. But the Daily Beast's Jose Pagliery, in a report published on October 12, lays out some reasons why that claim is problematic.

POLL: Should Trump be allowed to hold office again?

In court, Trump lawyer Jesus Suarez told Engoron, "Objection, your honor. Mr. McConney is not a valuation expert. He's not offered as a valuation expert."

But Pagliery explains, "The idea that the Trump Organization's long-time bean counter would be oblivious to the inner workings of real estate valuations seemed implausible, given that documents presented at trial showed that he was the key conduit to getting those very valuations compiled into Trump's annual statements of financial condition. That paperwork, which was signed off by outside accountants at the firm Mazars USA, was the reason that financial institutions like Deutsche Bank and Ladder Capital extended hundreds of millions of dollars in loans to Trump."

Pagliery continues, "Those funds allowed his company to seal several marquee deals, including the purchase of the Doral golf course in South Florida and the acquisition of the Old Post Office in Downtown Washington, which briefly became a Trump hotel. The inherently contradictory nature of Trump lawyers' stance on McConney underscored the sharp contrast on display at the ongoing bank fraud trial, where James is trying to bolster a case the judge has already decided has merit while Trump lawyers combat the very premise of the investigation. When investigators point to spreadsheets, the defense either shrugs, appears confused, or claims vastly inflated values are mere differences of opinion."

[fldebtcollectionattorney]

Cracking Creditor Priority: Wulco v. O’Gara & Monroe

In the case of "Wulco v. The O’Gara Group & Monroe Capital Partners Fund," the Ohio Court of Appeals found itself at the center of a dispute that holds valuable lessons for creditors, including those seeking a debt collection attorney. This case not only delved into creditor priority but also shed light on the intricacies of the Uniform Commercial Code (UCC), which can significantly impact debt collection efforts. Navigating Creditor Priority The heart of the matter in "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" revolved around determining the priority between a judicial lien creditor and a UCC Article 9 secured creditor. Wulco, a judgment creditor, had obtained a default judgment against O’Gara and initiated the garnishment of O’Gara’s bank accounts. On the other hand, Monroe Capital had previously perfected a security interest in those same accounts through UCC Article 9 loan and security agreements. The appeals court's decision was clear: Monroe Capital had properly obtained and perfected its UCC consensual lien before Wulco's judgment. As a result, Monroe's interest took precedence, in accordance with standard UCC rules. This ruling highlights the importance of understanding creditor priority, especially for those in pursuit of unpaid debts. Applying UCC Principles in Debt Collection While the "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" case was heard in Ohio and does not set binding precedent in Florida, its analysis of creditor priority and the consequences of transferring garnished funds holds relevance for creditors and debt collection attorneys in Florida. The principles established by the court can guide similar disputes in the state. Creditors in Florida can draw valuable insights from this case when interpreting UCC guidelines and navigating the complexities of debt collection. Ensuring that creditors protect their rights and interests when trying to collect unpaid debts relies on getting security interests right and following UCC principles. Lessons on Legal Representation in Debt Collection Cases The "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" case provides insights into the importance of having competent legal representation in debt collection cases. Understanding how to choose and work effectively with a debt collection attorney is crucial for creditors. Jurisdictional Differences in Debt Collection While the case was heard in Ohio, the principles and outcomes discussed in "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" have implications for creditors in different jurisdictions. Understanding how jurisdictional differences can impact debt collection strategies and outcomes is essential for creditors and attorneys working in various states. Hiring a debt collection attorney can provide assistance in the following ways: - Advising creditors on the best course of action to establish and enduring security interests in accordance with UCC guidelines. - Representing creditors in court to assert their claims and ensure a fair resolution in situations involving multiple creditors. - Offering insights on jurisdiction-specific laws and regulations that may affect debt collection outcomes, even if the case is not in Ohio, where "Wulco" was decided. FAQs 1: What role do UCC principles play in debt collection, and how did they apply in the case mentioned? Creditor priority refers to the order in which different creditors' claims are satisfied from a debtor's assets when there are insufficient funds to cover all debts. It is significant in debt collection because it determines which creditor has the first right to recover their debt from the debtor's available assets. Understanding creditor priority helps creditors and debt collection attorneys assess their likelihood of successfully recovering unpaid debts, especially when multiple creditors are involved. 2. How can creditors in Florida benefit from the principles established in the "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" case when pursuing unpaid debts? In the "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" case, the Ohio Court of Appeals determined creditor priority by examining the timing of the security interests established by the creditors. Monroe Capital had properly perfected its UCC consensual lien before Wulco's judgment was obtained. As a result, Monroe's interest took precedence, as per standard UCC rules. This means that Monroe Capital had the first claim on the debtor's assets, which are essential to understanding creditor priority. 3. What are the key takeaways for creditors and debt collection attorneys regarding the application of UCC principles in debt collection, as highlighted in this case? The key lesson from the "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" case is the importance of timing and proper documentation when establishing security interests. Creditors and debt collection attorneys should ensure that they follow UCC guidelines meticulously to perfect their security interests in a timely manner. Additionally, understanding the hierarchy of creditor priority can help creditors assess the risks and benefits of pursuing unpaid debts, especially when dealing with competing claims from other creditors. Timely legal action and adherence to UCC principles can significantly impact the outcome of creditor priority disputes. Conclusion In conclusion, the lessons gleaned from "Wulco v. The O’Gara Group & Monroe Capital Partners Fund" underscore the significance of understanding creditor priority and UCC regulations. For those in need of a debt collection attorney, having a firm grasp of these principles can make all the difference in successfully recovering owed funds. Read the full article

[metamoonshots]

[ad_1] Within the newest SBF information, Former FTX CEO Sam Bankman-Fried (SBF) and his protection workforce have as soon as once more approached the presiding choose, Lewis Kaplan, with a plea to change the jury directions. This newest communication seeks to emphasise the consideration of English regulation in deciphering FTX’s phrases of service, marking one other pivotal growth within the trial. Source Newest SBF Information: The Protection Proposed Adjustments The defense’s proposition urges the 12 jurors to acknowledge a basic precept underneath English regulation: that misappropriation necessitates the existence of a belief, fiduciary relationship, or an analogous affiliation between FTX and its prospects. Nonetheless, the change’s phrases of service categorically stipulate the absence of such a relationship between the 2 sides. The protection attorneys emphasised: “Underneath English regulation, the Phrases of Service don't create a belief relationship or related fiduciary relationship between FTX and its prospects. Nor, underneath English regulation, do any representations made after a buyer agrees to the Phrases of Service create a belief relationship or related fiduciary relationship.” Notably, they added that subjective expectations or beliefs held by an individual, don't, underneath English regulation, create such a relationship. The protection workforce additionally cited precedents from the UK’s authorized panorama to assist their argument in a last bid to show SBF’s innocence. DOJ Raises Considerations Over Protection’s Technique Bankman-Fried’s authorized workforce has offered a number of petitions to the presiding choose over the period of the case. These requests embody a number of appeals for pre-trial release on bail, justified by the insufficiency of correct services for ample trial preparation. The vast majority of these requests have been met with denial. The newest transfer has raised skepticism inside the USA Division of Justice (DOJ), which has constantly expressed concerns over the protection’s technique. They assert that the SBF’s suggestion to the jury to focus solely on the phrases of service, given the total scope of his alleged misrepresentations and misleading conduct, is an inaccurate method. Through the trial, prosecutors have been actively probing FTX customers and Bankman-Fried relating to the change’s advertising practices. They imagine that previous statements and the overall understanding amongst prospects are pertinent components to think about. Notably, a jury cost convention will probably be scheduled after each events have offered their circumstances. This convention will function a platform for deliberation and debate over the varied proposed jury directions, finally influencing the jury’s last determination. The previous FTX CEO, Sam Bankman-Fried, at present faces seven expenses, together with fraud and the misappropriation of customer funds for private use. All through the course of his trial, Bankman-Fried has constantly denied any wrongdoing, asserting that he has not defrauded his prospects. Up to now, he has additionally confronted allegations of witness tampering. The publish Latest SBF News: Defense Team Seeks Changes to Jury Instruction appeared first on Bitcoin News. [ad_2]

[wilsonchanlaw]

Unlocking Opportunities with a DBE Attorney in New York: Navigating DBE Certification with Confidence

Are you a small business owner in New York seeking to participate in federally funded transportation projects? Securing Disadvantaged Business Enterprise (DBE) certification could be the key to accessing valuable contracting opportunities. However, the DBE certification process can be intricate, and challenges or denials may arise. With the guidance of a seasoned DBE attorney in New York, navigating DBE certification in New York becomes a smoother journey.

DBE certification aims to promote diversity and inclusion in government-funded transportation projects by providing contracting opportunities to businesses owned and controlled by socially and economically disadvantaged individuals. In New York, the certification process is overseen by the New York State Department of Transportation (NYSDOT) and other certifying agencies.

To qualify for DBE certification NY, a business must meet specific criteria regarding ownership, control, and disadvantaged status. This includes demonstrating that at least 51% of the business is owned by individuals who are socially and economically disadvantaged, such as women, minorities, or individuals with disabilities. Additionally, the business must be managed and controlled on a day-to-day basis by one or more of these disadvantaged individuals.

Once certified, DBE firms can access a wide range of contracting opportunities, including construction, engineering, consulting, and more. These contracts are typically awarded by prime contractors who receive federal funding for transportation projects.

However, despite meeting all requirements, your DBE certification application may still be denied or face challenges. Common reasons for denial include insufficient documentation, issues with ownership or control, or concerns about the business's financial viability.

If your DBE certification application is denied or if you encounter challenges during the certification process, seeking the assistance of a qualified DBE attorney is crucial. A DBE attorney can provide invaluable guidance and legal representation throughout the appeals process, helping you present a compelling case for certification.

At Wilson Chan Law, our team of experienced DBE attorneys specializes in assisting small businesses with DBE certification and appeals in New York. We understand the complexities of DBE regulations and have a proven track record of success in helping clients obtain and maintain DBE certification.

From initial application preparation to representing clients in appeals hearings, we provide comprehensive legal support tailored to your specific needs. We work tirelessly to protect your rights and maximize your chances of success in obtaining DBE certification.

Don't let challenges or denials stand in the way of your business's growth and success. Contact Wilson Chan Law today to schedule a consultation with our DBE attorneys and learn how we can help you achieve DBE certification and unlock new opportunities in New York's transportation industry. With our expertise and dedication by your side, you can navigate the DBE certification process with confidence and achieve your business goals.

[ovpwebnetwork]

FOR IMMEDIATE RELEASE:

October 17, 2023

Media Contact:

Danny Wimmer

Michigan Joins Settlements to Resolve Data Security Errors with ACI Worldwide and Inmediata

LANSING – Michigan Attorney General Dana Nessel announced two settlements today involving financial and healthcare technology companies ACI Worldwide and Inmediata. ACI Worldwide is a large-scale payment processing company, Inmediata a healthcare clearinghouse that facilitates financial and clinical transactions between healthcare providers and insurers.

“We must rely on organizations such as these to secure our financial and personal data to a reasonable and robust standard,” said Nessel. “I am happy to join my colleagues in protecting consumers and holding corporations accountable when they violate that trust.”

ACI Worldwide Settlement

Michigan joined a coalition of 48 states, the District of Columbia, and Puerto Rico in announcing a $10 million settlement with payment processor ACI Worldwide over a 2021 testing error that led to the attempted unauthorized withdrawal of $2.3 billion from the accounts of mortgage holders. Michigan will receive $246,258.97 from the settlement. A private class action settlement is providing restitution to persons affected by the testing error. Affected Michigan residents who may wish to submit claim forms must do so by November 13th, and more information on the class action settlement is available here.

ACI Worldwide is a payment processor for Nationstar Mortgage, known publicly as Mr. Cooper. On April 23, 2021, ACI was testing its Speedpay platform. Due to significant defects in ACI’s privacy and data security procedures and its technical infrastructure related to the Speedpay platform, live Mr. Cooper consumer data was entered into the system. This resulted in ACI erroneously attempting to withdraw mortgage payments from hundreds of thousands of Mr. Cooper customers on a day that was not authorized or expected. The error impacted 477,000 customers, some of whom were forced to incur overdraft or insufficient funds fees.

State regulators, including Michigan’s Department of Insurance and Financial Services, have entered into a separate agreement with ACI for an additional $10 million. The regulators’ settlement also orders ACI to take steps to avoid any future incidents, including requiring the company to use artificially created data rather than real consumer data when testing systems or software and to segregate testing or development work from its consumer payment systems.

Along with Michigan, the settlement was joined by the attorneys general of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming, the District of Columbia, and Puerto Rico.

Inmediata Settlement

AG Nessel also announced that Michigan, along with 32 other state attorneys general, has reached a settlement with Inmediata, a healthcare clearinghouse that facilitates transactions between healthcare providers and insurers across the U.S. The settlement is in response to a coding issue that exposed patient information of approximately 1.5 million consumers for almost three years.

On January 15, 2019, the U.S. Department of Health & Human Services Office of Civil Rights alerted Inmediata that personal information maintained by Inmediata was available online and had been indexed by search engines, potentially allowing sensitive patient information to be viewed and downloaded by anyone with an internet connection.

Although Inmediata was alerted to the breach on January 15, 2019, the company delayed notification to impacted consumers for over three months and then sent misaddressed and unclear notices.

The settlement resolves allegations of the attorneys general that Inmediata violated state consumer protection laws, breach notification laws, and HIPAA by failing to implement reasonable data security.

Under the settlement, Inmediata has agreed to make a $1.4 million payment to the states. Michigan will receive $217,049 from the settlement. Inmediata has also agreed to overhaul its data security and breach notification practices going forward, including:

implementation of a comprehensive information security program with specific security requirements, including code review and crawling controls;

development of an incident response plan with specific policies and procedures regarding consumer notification letters; and

annual third-party security assessments for five years.

Indiana led the multistate Inmediata investigation, assisted by the Executive Committee consisting of Connecticut, Michigan, and Tennessee, and joined by Alabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Utah, Washington, West Virginia, and Wisconsin.

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