190.40 Criminal usury in the second degree. A

190.40 Criminal usury in the second degree.
A person is guilty of criminal usury in the second degree when, not
being authorized or permitted by law to do so, he knowingly charges,
takes or receives any money or other property as interest on the loan or
forbearance of any money or other property, at a rate exceeding
twenty-five per cent per annum or the equivalent rate for a longer or
shorter period.
Criminal usury in the second degree is a class E felony.

190.42 Criminal usury in the first degree.
A person is guilty of criminal usury in the first degree when, not
being authorized or permitted by law to do so, he knowingly charges,
takes or receives any money or other property as interest on the loan or
forbearance of any money or other property, at a rate exceeding
twenty-five per cent per annum or the equivalent rate for a longer or
shorter period and either the actor had previously been convicted of the
crime of criminal usury or of the attempt to commit such crime, or the
actor`s conduct was part of a scheme or business of making or collecting
usurious loans.
Criminal usury in the first degree is a class C felony.


Prepayment Period


Prepayment Percentage
1. The period beginning on the Issue Date and ending on the date which is thirty (30) days following the Issue Date.


115%
2. The period beginning on the date which is thirty-one (31) days following the Issue Date and ending on the date which is sixty (60) days following the Issue Date


120%
3. The period beginning on the date which is sixty-one (61) days following the Issue Date and ending on the date which is ninety (90) days following the Issue Date


125%
4. The period beginning on the date that is ninety-one (91) day from the Issue Date and ending one hundred twenty (120) days following the Issue Date


130%
5. The period beginning on the date that is one hundred twenty-one (121) day from the Issue Date and ending one hundred fifty (150) days following the Issue Date


135%
6. The period beginning on the date that is one hundred fifty-one (151) day from the Issue Date and ending one hundred eighty (180) days following the Issue Date


140%


thetaddler • Feb 23, 2016 1:38 PM


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