Meta Description: A conviction record can create significant, long-term barriers to employment, housing, and professional licensing—consequences known as “collateral consequences.” Learn about the legal options available, such as expungement and sealing, to help clear your criminal record and restore your civil rights. A criminal conviction sets in motion a cascade of consequences that reach far […]
The Essential Guide to Usury Laws Usury laws define the maximum legal interest rate a lender can charge, protecting consumers and businesses from excessively high-cost loans and predatory lending practices. This post explores the state-specific nature of these regulations, major exemptions for financial institutions, and the severe penalties for non-compliance. The concept of usury—lending money
Meta Description: Understand the essentials of usury laws in the United States, including their purpose, state-by-state variations, and the legal implications for both borrowers and lenders. In the world of finance, interest rates are a fundamental concept, but what happens when those rates cross a line from reasonable to exploitative? This is where usury laws