Usury Regulations

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About Usury Regulations

This is a state-by-state guide to understanding how Usury Laws affect Private Lending. While using private lenders to finance real estate deals holds numerous benefits – including speed and flexibility of funding for you and high interest rate returns for private lenders – it's important that any deal you do doesn’t violate your state’s usury laws.Usury is generally defined as the charging of illegal interest rates. Each state has laws regulating interest rates and those laws are commonly referred to as usury laws. Many states impose both civil and criminal penalties for violations of applicable usury laws. So how do you find out what your state’s usury laws are so you can stay in compliance? In the past it would have involved you wasting hours of your valuable time doing research on your own.But not anymore … thanks to my new ebook “Usury Regulations – A State by State Guide to Understanding How Usury Laws Affect Private Lending.”This easy-to-use ebook contains not only a brief synopsis of your state's usury laws but all the other states as well.Here is Just Some of What You’ll LearnFrom This Comprehensive eBook:•The basic usury laws for every state … from Alabama to Wyoming•When federal law takes precedence over or preempts a state’s usury laws•Under what conditions state usury laws do not apply to loans, mortgages, credit sales and advances•Where usury laws can be found in your state’s code – so you can “see them for yourself” if you want•A good rule of thumb to follow when negotiating an interest rate with a prospective lender – follow this tip and you’ll be well on your way to succeeding as an investor!•Whether it’s true that most states have enacted legislation which preempts federal usury laws (which, by the way, say that interest rates may not exceed twice the legal rate allowed in the state where the loan is made)•And much, much more!With the current state of