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Highlights of Proposed Rules Regarding Credit Cards and Overdraft Services Regulation AA (Unfair Acts or Practices) The proposal would amend Regulation AA to prohibit unfair or deceptive acts or practices by banks in connection with credit card accounts and overdraft services for deposit accounts. Credit Cards * Time to Make Payments. The proposal would prohibit banks from treating a payment as late unless the consumer has been provided a reasonable amount of time to make that payment. There would be a safe harbor for banks that send periodic statements at least 21 days prior to the payment due date. * Allocation of Payments. When different annual percentage rates (APRs) apply to different balances on a credit card account (for example, purchases and cash advances), banks would have to allocate payments exceeding the minimum payment using one of three methods or a method equally beneficial to consumers. They could not allocate the entire amount to the balance with the lowest rate. A bank could, for example, split the amount equally between two balances. In addition, to enable consumers to receive the full benefit of discounted promotional rates (for example, on balance transfers), during the promotional period payments in excess of the minimum would have to be allocated first to balances on which the rate is not discounted. * Applying Rate Increases to Existing Balances. The proposal would prohibit banks from increasing the interest rate on outstanding balances unless the increase is due to: (i) the operation of an index (in other words, the rate is a variable rate); (ii) the expiration or loss of a promotional rate (provided the rate is not increased to a penalty rate); or (iii) the minimum payment not being received within 30 days of the due date. * Two-Cycle Billing. The proposal would prohibit banks from imposing finance charges based on balances on days in billing cycles preceding the most recent billing cycle, a pra

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Located in the breathtaking Pamohi area of Guwahati, Akshar is a very unique school which takes just plastic waste when it comes to its fees! Yes, you read that right. This eco-friendly school lets the little kids connect with the Mother Nature in a thoughtful and amazing way. Parmita Sarma, the co-founder of the school stated "We wanted to start a free school for all, but stumbled upon this idea after we realized a larger social and ecological problem brewing in this area. I still remember how our classrooms would be filled with toxic fumes every time someone in the nearby areas would burn plastics. Here it was a norm to burn waste plastic to keep warm. We wanted to change that and so started to encourage our students to bring their plastic waste as school fees". The school is a brainchild of Parmita and Mazin Mukhtar and they together founded the school in the month of June 2016.

Registered Foreign Law Firm Pakistani Lawyers those who have 3 years of standing as a lawyer in Pakistan can set up his/her Foreign Registered Law Firm (Sole proprietorship) in Hong Kong and work as a Sole Proprietor in Hong Kong. Under section 39C, Registered Foreign Law Firm may form associations with Hong Kong Waw Firms under an agreement can share fees, profits, premises, management or employees. Under the association, the foreign law may advise on foreign law, while the Hong Kong firm advises on Hong Kong law. The two firms can share fees, profits, premises and employees. The fee for the registration of Foreign Registered Law Firm is 1 Million Pakistani Rupees.

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