> if a bank does this and gets convicted (which happens regularly) people WILL go to jail for doing this thanks for pointing this out; I've heard the term "usu

> if a bank does this and gets convicted (which happens regularly) people WILL go to jail for doing this thanks for pointing this out; I've heard the term "usury", but have never seen it linked with criminal charges. but a quick web search shows that you're right. really interesting, and great point regarding the fraction of after-tax payments. thanks!