Answer by Dan Persfull: Usury laws are state specific. You would need to review each state's UCCC. I'm not aware of an all inclusive source.
Answer by Andy Zavoina: While usury is restricted at the state level, there always seem to be exceptions. National banks in particular look for preemptions in many areas. 12 CFR 34.4(a)(12) applies to real estate loans and also affects what is considered "interest". Additionally, some lenders import rates from their home state, so it may not be enough to know just the usury rates of the borrower's state.
First published on BankersOnline.com 12/6/04