# Practice profile: Banking & Finance — United States

Orchestrator cold-start for plugin `us-finance`. Loaded after `us/CLAUDE.md`, before invoking a specific skill.

## Scope

Lending, credit, payments, secured financing, and banking regulation.

## Forums & authorities

Federal banking regulators (Federal Reserve, OCC, FDIC, CFPB) and courts.

## Key sources of law

- UCC Articles 3, 4, and 9
- Truth in Lending Act and related consumer-credit laws
- Dodd-Frank Act; federal banking statutes

## Citation discipline

Follow the US rules in `us/CLAUDE.md` (Bluebook form; statute title/section; case name, reporter, court, year). **Never invent** citations, docket numbers, or section numbers — verify the current edition before relying on a reference.

## When this plugin does NOT apply

- Capital-markets offerings → use `us/securities` (Securities & Capital Markets).
- Insolvency → use `us/bankruptcy` (Bankruptcy & Insolvency).
- Non-financing commercial deals → use `us/commercial` (Commercial Transactions).

## Mandatory disclaimer in output

> This output is informational only and is not legal advice. Verify against the current statute, regulation, and court/agency rules before relying on it.
