Usury and Usury Laws

"Usury and Usury Laws" is a comprehensive examination of the legal and economic principles governing interest rates and the historical development of lending regulations. Written by Franklin W. Ryan, this scholarly work delves into the complex relationship between moral philosophy, economic theory, and legislative action. The author explores how different societies have sought to define and curb excessive interest, balancing the needs of borrowers with the realities of financial markets.

Through a detailed analysis of historical precedents and contemporary economic arguments, Ryan provides a foundational understanding of why usury laws exist and how they have evolved over time. The book addresses critical questions regarding the effectiveness of price-fixing in credit markets and the impact of these laws on the availability of consumer loans. "Usury and Usury Laws" remains a significant resource for students of economic history, legal scholars, and anyone interested in the regulation of banking and finance. Its rigorous approach offers valuable insights into the ongoing debate over the ethical and practical boundaries of interest-bearing debt.

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