Lex loci contractus

"The doctrine of lex loci contractus directs that, in the absence of a contractual provision specifying the governing law,26 a contract (other than one for the performance of services) is governed by the law of the state in which the contract is made, i.e., where the last act necessary to complete the contract is done. Equitable Life Assurance Soc'y of the U.S.A. v. McRee, 75 Fla. 257, 78 So. 22, 24 (1918); Lacy v. Force V Corp., 403 So.2d 1050, 1056 (Fla.Dist.Ct.App.1981); Jemco, Inc. v. United Parcel Serv., Inc., 400 So.2d 499, 500 (Fla.Dist.Ct.App.1981), review denied, 412 So.2d 466 (Fla.1982); see also Robert A. Leflar, Luther L. McDougal, III & Robert L. Felix, American Conflicts Law § 145 at p. 145–46 (4th ed. 1986)." ''Fioretti v. Massachusetts Gen. Life Ins. Co.'', 53 F.3d 1228, 1235-36 (11th Cir. 1995)