12 cfr 1026.36 speaks of an annual rate increase of two percentage points being reasonable (with a life time max of 6 percentage points) related to seller financers. I have found no guidance that expresses the same for financial institutions.
Our limit is the state usury ceiling. Will we have a problem with regulators? Two percent sounds reasonable to me too; however, I was in the bank in the 80's when CD rates were 20% and the S&Ls were going under.
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