Which of the following is a function of the U.S. Constitution?
A) create the three branches of federal government
B) promote a strong economy
C) establish the electoral college
D) permit the judicial review of laws
Ethan purchases a house for $250,000. He borrows $200,000 from StarCross Bank and
gives the bank a mortgage on the house for this amount. StarCross Bank fails to record
the mortgage. Ethan then applies to borrow $200,000 from Pentalon Bank. Pentalon
Bank reviews the real estate recordings and finds no mortgage recorded against the
property, so it lends Ethan $200,000. Pentalon Bank records its mortgage. Later, Ethan
defaults on both loans. In this case, which of the following would be true in case of the
foreclosure, if possible, on the collateral?
A) StarCross Bank can foreclose because they made the first loan.
B) Pentalon Bank can foreclose because they made a record of the mortgage.
C) The collateral has to be returned to Ethan since there is a violation of the recording
statute.
D) None of the parties involved can claim ownership of the collateral as it passes into
the public domain.