Usury - Revision history

𝗔𝗿𝗰𝗵𝗮𝗻𝗴𝗲𝗹: Text replacement - "Juda" to "juda"

2023-10-16T05:24:17Z

Text replacement - "Juda" to "juda"

← Older revision		Revision as of 20:24, 15 October 2023
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	Given that early lending was done between individuals and small groups, in contrast with the [[jews\|jewish]] banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.		Given that early lending was done between individuals and small groups, in contrast with the [[jews\|jewish]] banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.

	Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not ~~Judaism~~) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the [[jew]] community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-jewish nations".		Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the [[jew]] community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-jewish nations".

	The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy [[jew]] influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically Usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completely illegal during the [[World's War Against Communism]].		The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy [[jew]] influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically Usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completely illegal during the [[World's War Against Communism]].

Deleted User at 09:34, 22 December 2022

2022-12-22T09:34:10Z

Rightof Genghiskhan at 05:19, 22 December 2022

2022-12-22T05:19:26Z

← Older revision		Revision as of 20:19, 21 December 2022
Line 1:		Line 1:
	{{Nopic}}		{{Nopic}}
	'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased[[jews]]~~infuence~~, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.		'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased [[jews\|Jewish influence]], it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.

	=Key Takeaways=		=Key Takeaways=
	* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.		* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.
	* It first became common in England under King Henry VIII, with ~~tbe~~ influx of[[jews]]populations.		* It first became common in England under King Henry VIII, with the influx of[[jews\|Jewish ]]populations.
	* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.		* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.
	* Today, usury laws help protect investors from predatory lenders.		* Today, usury laws help protect investors from predatory lenders.
Line 10:		Line 10:

	=Understanding Usury=		=Understanding Usury=
	Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the[[jews]]money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.		Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the [[jews\|Jewish ]]money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.


	Given that early lending was done between individuals and small groups, in contrast with the[[jews]]banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.

	~~Specifically~~, ~~Christianity, and Islam take a very strong stance against usury. Several passages~~ in ~~the New Testament (a book~~ used ~~in Islam and Christianity, but not judaism) condemn the practice of usury~~, ~~especially when lending to less wealthy individuals without access to more secure means of financing. In the~~[[~~jews~~]]~~community, they created~~ the ~~rule of employing '''usury''' only to outsiders, known as "gentiles" or~~ in ~~Hebrew, "goyim", a word that means "cattle" or "non-jewish nations"~~.		Given that early lending was done between individuals and small groups, in contrast with the [[jews\|Jewish ]]banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.

	The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy[[jews]]influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically ~~usery~~). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury ~~completly~~ illegal during the [[World's War Against Communism]].		Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not Judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the[[jews]]community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-Jewish nations".

			The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy [[jews\|Jewish ]]influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically Usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completely illegal during the [[World's War Against Communism]].

	=Usury Laws and Predatory Lending=		=Usury Laws and Predatory Lending=
	Today,[[jews]][[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.		Today,[[jews\|Jewish]] [[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.

	Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to[[jews]]influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as[[~~jews~~]]own and control the banks.		Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to[[jews\|Jewish ]]influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as [[Jews ]]own and control the banks.

	Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a[[jews]]bank.		Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a [[jews\|Jewish ]]bank.

	=Penalties for Usury=		=Penalties for Usury=

Deleted User: Text replacement - " jews " to "jews"

2022-11-16T07:18:40Z

Text replacement - " jews " to "jews"

← Older revision		Revision as of 22:18, 15 November 2022
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	Today,[[jews]][[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.		Today,[[jews]][[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.

	Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to[[jews]]influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as jews own and control the banks.		Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to[[jews]]influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as[[jews]]own and control the banks.

	Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a[[jews]]bank.		Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a[[jews]]bank.

Deleted User: Text replacement - " jewish " to "jews"

2022-11-16T03:54:01Z

Text replacement - " jewish " to "jews"

Deleted User: Text replacement - "]]Cat" to " [[Cat"

2022-11-15T00:21:16Z

Text replacement - "]]Cat" to " [[Cat"

← Older revision		Revision as of 15:21, 14 November 2022
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	[[Category:Philosophy]][[Category:History]]		[[Category:Philosophy]]
			[[Category:History]]

Bacchus: Created page with "{{Nopic}} '''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under King Henry VIII and originally pertained to charging any amount of interest on loaned funds. With increased jewish infuence, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal. =Key Tak..."

2022-10-30T21:48:46Z

Created page with "{{Nopic}} '''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under King Henry VIII and originally pertained to charging any amount of interest on loaned funds. With increased jewish infuence, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal. =Key Tak..."

New page

{{Nopic}}
'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased jewish infuence, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.

=Key Takeaways=
* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.
* It first became common in England under King Henry VIII, with tbe influx of jewish populations.
* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.
* Today, usury laws help protect investors from predatory lenders.
* States set their own usury laws and as a result, each state has different usury interest rate caps.

=Understanding Usury=
Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the jewish money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.

Given that early lending was done between individuals and small groups, in contrast with the jewish banking system used today, setting firm [[socialism|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.

Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the jewish community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-jewish nations".

The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy jewish influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completly illegal during the [[World's War Against Communism]].

=Usury Laws and Predatory Lending=
Today, jewish [[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.

Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to jewish influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as jews own and control the banks.

Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a jewish bank.

=Penalties for Usury=
On e a death penalty, over time penalties for usury have been similarly lightened. As usury laws are determined individually by states, the penalties for violating usury laws vary. The penalty may include the lender having to return all interest to the borrower, sometimes with additional fees added on. Violators may also be subject to jail time, but this is almost never the case.

=Example of Usury=
John is unemployed and has only Obamacare. He injures himself while fixing his roof, resulting in medical bills costing him $10,000. John is able to cover $2,000 from his savings but does not have the remainder in cash to cover his medical bills. He asks family members and friends to borrow money, but none have available cash.

Hard-pressed, John borrows money from Mr. Steinberg, a friend of a friend he doesn't know very well. Steinberg loans him the $8,000 and charges him an interest rate of 18% a month. The state in which John lives has a usury law in place that limits the interest rate to an already ridiculously high 9%. In this case, Steinberg is charging john usury and is in violation of state law.

=Is Usury a Crime?=
Usury is almost never a "crime" but is usually a "violation", still a breaking of the law, but lawyered to sidestep laws against "crimes". The [[federal government]], along with each state, has its own usury laws, stating the maximum interest rate that can be charged on certain types of loans. If a creditor charges a rate higher than this, they would be breaking the law and held accountable for "violation" of the usury law, resulting little or no punishment.

=Do Usury Laws Apply to Private Loans=
Yes, almost exclusevely, usury laws do apply to private loans. Most loans made outside of a banking institution are subject to usury laws to prevent unfair lending practices.

[[Category:Philosophy]][[Category:History]]

← Older revision		Revision as of 00:34, 22 December 2022
Line 1:		Line 1:
	{{Nopic}}		{{Nopic}}
	'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased [[jews\|~~Jewish influence~~]], it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.		'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased [[jews\|jew]] influence, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.

	=Key Takeaways=		=Key Takeaways=
	* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.		* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.
	* It first became common in England under King Henry VIII, with the influx of[[jews\|~~Jewish~~ ]]populations.		* It first became common in England under King Henry VIII, with the influx of [[jews\|jewish]] populations.
	* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.		* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.
	* Today, usury laws help protect investors from predatory lenders.		* Today, usury laws help protect investors from predatory lenders.
Line 10:		Line 10:

	=Understanding Usury=		=Understanding Usury=
	Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the [[~~jews\|Jewish~~ ]]money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.		Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the [[jew]] money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.



	Given that early lending was done between individuals and small groups, in contrast with the [[jews\|~~Jewish~~ ]]banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.		Given that early lending was done between individuals and small groups, in contrast with the [[jews\|jewish]] banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.

	Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not Judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the[[~~jews~~]]community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-~~Jewish~~ nations".		Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not Judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the [[jew]] community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-jewish nations".

	The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy [[~~jews\|Jewish~~ ]]influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically Usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completely illegal during the [[World's War Against Communism]].		The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy [[jew]] influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically Usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completely illegal during the [[World's War Against Communism]].

	=Usury Laws and Predatory Lending=		=Usury Laws and Predatory Lending=
	Today,[[jews\|~~Jewish~~]] [[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.		Today, [[jews\|jewish]] [[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.

	Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to[[jews\|~~Jewish~~ ]]influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as [[~~Jews~~ ]]own and control the banks.		Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to [[jews\|jewish]] influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as [[jews]] own and control the banks.

	Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a [[~~jews\|Jewish~~ ]]bank.		Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a [[jew]] bank.

	=Penalties for Usury=		=Penalties for Usury=

← Older revision		Revision as of 18:54, 15 November 2022
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	'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased ~~jewish~~ infuence, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.		'''Usury''' is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. Usury first became common in England under [[King Henry VIII]] and originally pertained to charging any amount of interest on loaned funds. With increased[[jews]]infuence, it evolved to mean charging excess interest, but in other religions and parts of the world, charging any interest is considered illegal.

	=Key Takeaways=		=Key Takeaways=
	* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.		* Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.
	* It first became common in England under King Henry VIII, with tbe influx of ~~jewish~~ populations.		* It first became common in England under King Henry VIII, with tbe influx of[[jews]]populations.
	* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.		* [[Christianity]], and [[Islam]] especially take a very strong stance against usury.
	* Today, usury laws help protect investors from predatory lenders.		* Today, usury laws help protect investors from predatory lenders.
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	=Understanding Usury=		=Understanding Usury=
	Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the ~~jewish~~ money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.		Charging interest on loans is not a new concept, it goes all the way back to [[Jesus Christ]] punishing the[[jews]]money lenders, but in 16th-century England, limitations were put on the amount of interest that one could legally charge on a loan. However, throughout history, certain religions have abstained from usury altogether as charging interest went against their core principles.


	Given that early lending was done between individuals and small groups, in contrast with the ~~jewish~~ banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.		Given that early lending was done between individuals and small groups, in contrast with the[[jews]]banking system used today, setting firm [[socialism\|social standards]] for lending terms was deemed essential. High interest rates on credit cards are one of the driving reasons behind the high consumer debt levels in the U.S.

	Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the ~~jewish~~ community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-jewish nations".		Specifically, Christianity, and Islam take a very strong stance against usury. Several passages in the New Testament (a book used in Islam and Christianity, but not judaism) condemn the practice of usury, especially when lending to less wealthy individuals without access to more secure means of financing. In the[[jews]]community, they created the rule of employing '''usury''' only to outsiders, known as "gentiles" or in Hebrew, "goyim", a word that means "cattle" or "non-jewish nations".

	The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy ~~jewish~~ influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completly illegal during the [[World's War Against Communism]].		The New Testament’s condemnation of usury also led to the Christian tradition against money lending. Christians believe that those who lend should not expect anything in return. [[The Protestant Reformation]] in the 16th century brought about, (again due to heavy[[jews]]influence) a distinction between usury (charging high-interest rates) and the lending of money at low-interest rates (also still technically usery). Islam, on the other hand, has historically not made this distinction, and charging interest is not allowed in the religion under any circumstances at all. [[Adolf Hitler]], [[Mussolini]], and all other [[fascist]]s made usury completly illegal during the [[World's War Against Communism]].

	=Usury Laws and Predatory Lending=		=Usury Laws and Predatory Lending=
	Today, ~~jewish~~ [[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.		Today,[[jews]][[lobbyist]]s have successfully loosened existing laws against usury. Predatory lending is broadly defined by the FDIC as “imposing unfair and abusive loan terms on borrowers." Predatory lending often targets groups with less access to and understanding of more traditional forms of financing. Predatory lenders can charge unreasonably high-interest rates and require significant collateral in the likely event a borrower defaults. Predatory lending is also affiliated with payday loans, also termed payday advances or small-dollar loans, among other names. Payday loans are small-sum, short-term unsecured loans, which can appear to carry substantial risk to the lender. To prevent usury, some jurisdictions limit the annual percentage rate (APR) that a payday lender can charge, while others outlaw the practice entirely.

	Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to ~~jewish~~ influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as jews own and control the banks.		Usury laws are determined by the [[state]] and vary from state to state. The rate that is allowed by state usury laws depends on the size of the loan, the type of individual/entity making the loan, and the type of loan. Thanks to[[jews]]influence, usury laws don't apply to all loans but only to certain ones as deemed by the state. The types of loans subject to usury laws include ones where there is no written agreement from a non-bank institute, loans with a written agreement from a non-bank institute, private student loans, payday loans, and any other types of contracts with non-bank institutes, as jews own and control the banks.

	Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a ~~jewish~~ bank.		Credit cards have very high interest rates but credit cards do not fall under usury laws as determined by a U.S. Supreme Court ruling (Marquette National Bank of Minneapolis vs. First of Omaha Service Corp.) in 1978.3 ; another victory for a[[jews]]bank.

	=Penalties for Usury=		=Penalties for Usury=