AL Loan, forbearance of money, or credit sale >$2000 Any 10 Not unconscionable Not unconscionable Not unconscionable ALA. CODE §§ , & (West 2012); , 678 So. 2d 169 (Ala. Civ. App. 1996) AK Small Loan ≤$25,000 Any Any 10% None $25 ALASKA STAT. ANN. § (West 2012) AK Installment Loan (Maturity < 7 years) ≤$10,000 (excluding interest) Any 15 5% None $15 ALASKA STAT. ANN. § (West 2012) AZ Consumer Lender Loan ≤$10,000 (principal) Any 7 5% None None ARIZ. REV. STAT. § (2012) AZ Closed-End Loan ≤$5,000 Any 10 5% None $10 ARIZ. REV. STAT. § (2012) AR Industrial Loan Any Any Any 5% None None ARK. CODE ANN. § (West 2012) CA Real Property Secured Loan (REL) Any Any 10 10% $5 None CAL. BUS. & PROF. CODE § (West 2012) CA Delinquent Balloon Payment (REL) Any Any 10 (LSMI x 10%) x (1 + m) None None CAL. BUS. & PROF. CODE § (West 2012) CA Real Property (a single-family, owner-occupied unit) Secured Loan (CRMLA) Any Any 10 6% $5 None CAL. CIV. CODE § (West 2012) CO Consumer Credit Transaction Insubstantial in relation to value of collateral Secondary 10 5% None None COLO. REV. STAT. ANN. § (West 2012) CT Any Type of Loan Any Any Any Reasonable None None CONN. GEN. STAT. ANN. § (West 2012); , 78 Conn. App. 783 (Conn. App. Ct., 2003)
DE Closed-End Loan Any Any Any 5% None None DEL. CODE ANN. tit. 5, § (West 2012); 5 DEL. ADMIN. CODE § (2012) DE Revolving Credit Plan Any Any Any Any None None DEL. CODE ANN. tit. 5, § (West 2012); 5 DEL. ADMIN. CODE § (2012) DC Any Type of Loan Any Any 10 5% None None D.C. CODE § (2012) FL High Cost Any Any 15 5% None None FLA. STAT. ANN. § (West 2012) FL Consumer Finance Loan $1,000 - $25,000 Any 10 Any None $10 FLA. STAT. ANN. § (West 2012); Fla. Admin. Code r. § GA Home Loan FNMA Conforming Loan Limit Any 10 5% None None GA. CODE ANN. § (West 2012) HI Consumer Loans Any Any Any 5% None None HAW. REV. STAT. § (West 2012) ID Precomputed Regulated Consumer Credit Transaction Any Secondary 10 5% $12.50 None IDAHO CODE ANN. § (West 2012) ID Regulated Consumer Loan Any Secondary 15 5% $15 None IDAHO CODE ANN.§ (West 2012) ID All other Regulated Consumer Credit Transactions Any Secondary 10 5% $15 None IDAHO CODE ANN.§ (West 2012) IL A loan Any Any 10 5% None None 815 ILL. COMP. STAT. ANN. (West 2012) IL High Risk Home Loan Any Any 15 4% after None None 815 ILL. COMP. STAT. ANN. (West 2012)
LA Consumer Credit Transaction Any Any 10 5% $10 None La. Rev. Stat. Ann. § (West 2011) LA Revolving Loan Account Any Any 10 Any None $15 LA. REV. STAT. ANN. § (West 2011) ME Consumer Credit Transaction or Open-End Credit Plan < $50,000 Second 15 5% None $10 ME. REV. STAT. ANN. tit. 9-A, §§ , & (2011) MD Mortgage Loan Any Any 15 5% $2 None MD. CODE ANN., COM. LAW, § (West 2012) MD Secondary Mortgage Loan Any Secondary 10 5% $2 None MD. CODE ANN., COM. LAW, § (West 2012) MD Revolving Credit Plan Any Any Any Any None None MD. CODE ANN., COM. LAW, § (West 2012) MD Credit Grantor Closed End Credit Any Any Any Any None None MD CODE ANN., COM. LAW, § (West 2012) MA 1-to-4 Family Dwelling House Mortgage Any Any 15; 10 (if pmts biweekly) 3% None None MASS. GEN. LAWS ANN. ch. 183, § (West 2012) MI Extension of Credit Made by a Regulated Lender Any Any Any 5% $15 None MICH. COMP. LAWS ANN. § (West 2012) MN Conventional Loan ≤$100,000 Any 10 5% $7.80 None MINN. STAT. ANN. §§ , & (West 2012) MN Loan Any Any 10 5% $7. 80 None MINN. STAT. ANN. § (West 2012) MS Loan Any Any 15 4% $5.00 None MISS. CODE ANN. § (West 2011)
MS Loan with a stated maturity of 5 years or less ≤$100,000 Any 15 4% $5.00 $50.00 MISS. CODE ANN. § (West 2011) MO Residential Real Estate Loan Any Any 15 Any None None MO. ANN. STAT. §§ , & (West 2012) MO Second Mortgage Loan Any Secondary 15 5% $15.00 $50.00 MO. ANN. STAT. § (West 2012) MT Residential Mortgage Loan Any Any Any 5% $15.00 $50.00 MONT. CODE ANN. §§ , , & (West 2013) NE Residential Mortgage Loan Any Any As set forth in the loan documents. Reasonable & Necessary None None NEB. REV. STAT. ANN. § (West 2012) NE Installment Loan Any Any 10 5% None None NEB. REV. STAT. ANN. § (West 2012) NV Loan Secured by lien on real property Any Any Any Any None None NEV. REV. STAT. ANN. §§ , & , & (West 2011) NH Precomputed Consumer Credit Transaction Any Any Any Any None None N.H. REV. STAT. ANN. § (West 2012) NJ Secondary Mortgage Loan Any Secondary Any 5% None None N.J. STAT. ANN. § (West 2012) NJ Home Loan Any Any 15 5% None None N.J. STAT. ANN. § (West 2012) NM Home Loan FNMA Conforming Loan Limit Any 15 5% None None N.M. STAT. ANN. § (West 2012) NM Mortgage Loan Any Any Any Any None None N.M. STAT. ANN. § (West 2012)
NY Mortgage on Real Property Any Any 15 2% None None N.Y. REAL PROP. LAW § (West 2012); N.Y. COMP. CODES R. & REGS. tit. 3, § (2012) NC Home Loans <$300,000 Any 15 4% None None N.C. GEN. STAT. ANN. § (West 2012) NC Open-End Credit Plan, not offered by a bank <$300,000 Any 30 Any None $5 OR $10 N.C. GEN. STAT. ANN §§ & (West 2012) ND Legal Indebtedness Any Any Any 15% None $15 N.D. CENT. CODE ANN. § (West 2011) OH Consumer Transaction in Connection with a Residential Mortgage Any Any Any Any Any Any OHIO REV. CODE ANN. § (West 2012) OH Small Loans ≤$5,000 Any 10 5% $15 Any OHIO REV. CODE ANN. §§ , & (West 2012) OK Precomputed Consumer Loan, Refinancing, or Consolidation Any Any 10 5% $5 $23.50 OKLA. STAT. ANN. tit. 14A, § (West 2012) OK Nonprecomputed Consumer Loan, Refinancing, Consolidation, or Revolving Loan Account Any Any 10 5% $5 $23.50 OKLA. STAT. ANN. tit. 14A, § (West 2012) OR Mortgage Any Any 15 5% None Amount in note/mortgage, if < 5% OR. REV. STAT. ANN. § (West 2012)
OR Precomputed Loan Contract Any Any 10 5% None $5 OR. REV. STAT. ANN.§ (West 2012) OR Consumer Finance Loan Any Any Any Reasonable and bona fide None None OR. REV. STAT. ANN.§ (West 2012) PA Secondary Mortgage Loan Any Secondary 15 10% $20.00 None 7 PA. CONS . STAT. § (West 2012) RI First Mortgages Any Primary Any None None None R.I. GEN. LAWS ANN. § (West 2012); ,Op. Office of Legal Counsel, Dep’t of Bus. Regulation, R.I. & Providence Plantations (1984) RI High-Cost Home Loan Any Any 15 10 (if pmts biweekly) 3% None None R.I. GEN. LAWS ANN. § (West 2012) SC Consumer Loan (and refinancing or consolidation of such) Any Secondary 10 5% $7.00 $17.50 S.C. CODE ANN. § (West 2012) SD Any Type of Loan Any Any Any None None None S.D. CODIFIED LAWS § (2012) TN High-Cost Home Loan Any Any 10 5% $15 None TENN. CODE ANN. § (West 2012) TN Loans made by an Industrial Loan and Thrift Company, Industrial Bank, or Industrial Investment Company Any Any 5 5% $15.00 None TENN. CODE. ANN. § (West 2012) TX A Loan Any Any 10 5% $7.50 None TEX. FIN. CODE ANN. § (West 2011)