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70. In general, a drawer can stop payment of a certified or cashier's check.
71. Certification of a check must be written on the check and must be signed by an agent of the bank.
72. An indorser's conditional liability is discharged if a check is not presented for payment within three days after the date the indorser signed the check.

Answers

Answer 1

Answer: 70 t

71 t

72 f

Explanation:

Answer 2
70. False
71. True
72. False

Related Questions

The area of consumer protection has given rise to a myriad of statutes at both the federal and state level that seek to protect the consumer from the dangers of the marketplace. (Ch. 44) Identify and discuss any three (3) specific areas of consumer activity that have become a focus of this type of legislation. Consumer Protection Ch 44 Please note that this area of law is reflective of many statutes that address the subject matter, only some of which, are referenced within this outline. Introduction Consumer transactions defined as goods, credit, services or land for personal, household or family purposes (cf. caveat emptor - "let the buyer beware" A. State and federal Consumer Protection Agencies Abuses include credit, deceptive trade practices, unsafe products, unfair pricing. 1) State and local consumer protection agencies-address fraudulent and deceptive trade and sales practices, defective goods and services 2) Federal Trade Commission (FTC)-re: used cars, franchises, funerals, door to door sales etc. unfair competition (ant- trust) unfair and deceptive trade practices deception-misrepresentation, omission or practice likely to mislead advertising substantiation -reasonable basis for advertising claims 3) Remedies Affirmative disclosure Corrective advertising Cease and desist orders 4) Consumer Product Safety Commission - protects public re unsafe products, evaluates products, uniform standards, excludes autos, tires, tobacco, firearms, food. drugs among others and enforcement re: hazardous substances 5) Consumer Financial Protection Bureau-authority over consumer financial products or services 6) Other federal consumer protection agencies- National Highway Traffic Safety Administration (NHTSA) -autos, etc. Federal Drug administration (FDA)-food, tobacco, drugs, medical devices, cosmetics, etc. B. Consumer purchases State contract law (UCC Art 2) provide many rights and obligations 1) Federal warranty protection -applies to sellers of consumer goods who give written warranties (ensure certain features of consumer goods or services) 2) As per Magnusson Moss Warranty Act need provide adequate assurance re: warranties (disclosures, labeling, disclaimers) 3) State lemon laws-provides new car purchasers w/ rights 4) Consumer right of rescission w/n 3 days of signing C. Consumer Credit Transactions Applies to any credit transactions re: goods, services or land for personal, household or family- Federal Consumer Credit Protection Act (FCCPA) 1) Access to the market-addresses discrimination in extending credit/ several applicable statutory protections 2) Disclosure requirements Truth - in- Lending Act (TILA) provides information such as charges, late fees etc. re: credit accounts 3) Among areas addressed are: Home equity loans fixed amount secured by home Billing errors re: disputed amounts Settlement charges -applies to real estate escrow accounts Mortgage Reform and Anti- Predatory Lending Act 4) Contract terms- FTC limit rights of holders in due course when debt arises out of consumer credit transaction 5) Consumer credit card fraud- limits liability for unauthorized use up to $50 6) Fair reportage- Fair Credit Reporting Act (FRCA) -prohibits use of inaccurate or dated information in consumer reports 7) Credit card bill of rights re: interest rates, notices, payments and penalties D. Creditor remedies 1) Wage assignments - protects against discharge from employment Garnishment -only by court order 2) Security interest in goods- seller may retain security interest in goods sold w/ restrictions 3) Debt collection practices-prohibitions on abusive, deceptive, unfair practices including harassing conduct

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Numerous federal and state laws have been passed in the field of law known as consumer protection in an effort to protect consumers from the risks present in the marketplace. Three specific consumer activities that have come under the purview of such legislation are as follows:

1. Purchases by consumers: This refers to the sale of products and services, as well as real estate, for private, domestic, or familial use. For instance, written warranties offered by vendors of consumer goods are covered under the Federal Warranty Protection. On the other hand, new automobile buyers have rights under lemon laws.

2. The use of consumer credit: It covers all credit agreements for purchases of commodities, services, or real estate made for private, domestic, or familial use. The Federal Consumer Credit Protection Act (FCCPA) is applicable to a number of legal protections, such as banning discrimination in credit-granting.

3. Credit Remedies: There are many different types of creditor remedies, including wage assignments, garnishments, security interests in property, and debt collection techniques. Garnishment is only legal with a court order, and wage assignments guard against termination from employment. The credit card bill of rights places restrictions on credit card users' interest rates, notifications, payments, and penalties, and fair reporting forbids the use of inaccurate or out-of-date information in consumer reports. Protecting consumers from dishonest and misleading business practices, as well as faulty goods and services, is the responsibility of the Consumer Financial Protection Bureau and other government consumer protection organizations, such as the National Highway Traffic Safety Administration (NHTSA).

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Describe the negative impact of failing to acknowledge unity diversity​

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Answer:

Explanation:

Failing to acknowledge unity in diversity can have several negative impacts on individuals, communities, and societies:

Divisions and Conflict: Ignoring or neglecting the value of unity in diversity can lead to divisions and conflicts within society. When differences are not acknowledged and respected, it can result in prejudice, discrimination, and social tension. This can create an environment of hostility and hinder social cohesion.

Marginalization and Exclusion: Without recognizing and embracing diversity, certain groups or individuals may be marginalized or excluded. This can lead to unequal access to opportunities, resources, and rights. Marginalized groups may face discrimination, stigmatization, and limited participation in social, economic, and political spheres.

Lack of Representation and Voice: Failing to acknowledge unity in diversity can result in the underrepresentation of certain groups in decision-making processes and institutions. This lack of representation can lead to a distortion of perspectives and interests, excluding diverse voices from shaping policies and initiatives that affect them.

Missed Opportunities for Innovation and Growth: Diversity brings different perspectives, experiences, and ideas to the table. When unity in diversity is not recognized, these valuable contributions may be overlooked or dismissed. This can limit the potential for innovation, creativity, and problem-solving. Embracing diversity, on the other hand, can foster innovation and lead to broader perspectives in various fields.

Social Injustice and Inequality: Failing to acknowledge unity in diversity can perpetuate social injustice and inequality. It can reinforce existing power structures and systems that disadvantage certain groups based on their identity. This can hinder social progress, hinder equal opportunities, and contribute to persistent disparities in education, employment, healthcare, and other domains.

Cultural Erosion and Loss: Neglecting diversity can result in the erosion and loss of cultural traditions, practices, and knowledge. Cultural diversity enriches societies by providing a variety of cultural expressions, languages, and perspectives. When unity in diversity is not acknowledged, cultural homogenization may occur, leading to the loss of cultural heritage and identity.

Overall, failing to acknowledge unity in diversity can lead to divisions, inequalities, and missed opportunities. Recognizing and embracing diversity is essential for fostering inclusive and harmonious societies that value and respect the contributions and rights of all individuals and groups.

PLS MARK ME BRAINLIEST

Answer:

This can give rise to various social tensions between different states and people of linguistic origin. It causes corruption and illiteracy in many areas of the country. Due to underdeveloped infrastructure, power shortage, roads etc.

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