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State Rate Caps

The Consumer’s Guide to Understanding Usury Laws

Meta Description Understand US Usury Laws, which protect consumers by setting maximum legal interest rates on loans. Learn about state variations, key exemptions, and how to spot predatory lending practices. For centuries, the practice of charging interest on borrowed money has been an economic necessity, yet it has always been subject to ethical and legal […]

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Usury Laws: Your Guide to Maximum Legal Interest Rates

Protecting Borrowers: An Overview of Usury Law Usury laws are fundamental consumer protection measures designed to prevent lenders from charging excessively high, or usurious, interest rates on loans. These regulations establish a legal ceiling on the cost of borrowing money, aiming to curb predatory lending practices that often target financially vulnerable individuals. Understanding your state’s

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