On April 14, the Department of Justice charged the supervisor of Ramapo, New York (the city’s top elected official), and the former executive director of the Ramapo Local Development Corp. with criminal securities fraud for allegedly defrauding thousands of municipal bond investors.  The charges relate to alleged misstatements and omissions made about Ramapo’s financial condition

If you have noticed that newly issued credit cards look different because of a small metallic chip on the front, there is a reason. According to EMVCo, the entity that oversees EMV technology and specifications, these small chips — called EMV microchips — hold payment data and provide codes specific to each purchase, adding another