Understanding the General Obligation of a State or Political Subdivision

Definition & Meaning

A general obligation of a state or political subdivision refers to a type of debt that is backed by the full faith and credit of the issuing entity. This means that the entity has the authority to levy taxes, including property taxes, to ensure repayment. There are two main categories:

  • An obligation supported by an entity that can impose taxes.
  • An obligation that is funded by a special fund, where an entity with taxing powers has guaranteed to provide the necessary funds for repayment.

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Real-world examples

Here are a couple of examples of abatement:

Here are two examples of general obligations:

  • A city issues bonds to finance a new school, backed by its ability to levy property taxes (real-world example).
  • A county creates a special fund for road repairs, with a promise from the state to cover costs through tax revenue (hypothetical example).

State-by-state differences

Examples of state differences (not exhaustive):

State General Obligation Characteristics
California General obligations are often issued for public infrastructure projects.
Texas General obligations may include additional voter approval requirements for certain projects.
New York General obligations can be issued with varying tax implications based on local laws.

This is not a complete list. State laws vary and users should consult local rules for specific guidance.

Comparison with related terms

Term Definition Key Differences
Revenue Bond A bond secured by the revenue generated from a specific project. Unlike general obligations, revenue bonds do not have the backing of tax revenue.
General Fund A fund used by a government to manage its general operations. General obligations are debts, while general funds are sources of revenue.

What to do if this term applies to you

If you are considering investing in general obligation bonds or dealing with related financial matters, here are steps to take:

  • Research the issuing entity's financial stability and tax authority.
  • Consult legal resources or templates available through US Legal Forms for necessary documentation.
  • If complexities arise, consider seeking advice from a financial or legal professional.

Quick facts

  • Typical use: Financing public projects.
  • Jurisdiction: Varies by state.
  • Possible penalties: Default can lead to loss of credit rating and increased borrowing costs.

Key takeaways

Frequently asked questions

A general obligation bond is a debt security backed by the full faith and credit of the issuing government entity, which can levy taxes to repay it.