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Standard Procedures
Link to Credit Standard
State Interest Rates & Usury Limits
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State Interest Rates & Usury Limits

Many state's laws provide that you cannot lend money at an interest rate
in excess of a certain statutory maximum. This is a "usury limit."
Further They Are Stating The **Present** Limits, the ones applicable at
the time that their research was completed. Many states have had lower
limits in the past. Further, in most states a late charge or other fee
exacted from someone who owes another money is also counted as interest.