Usury is interest in excess of a legal rate.

高利贷是指超过法定利率取息。

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However, interest rate swap exists the risk of law and policy, the risk of legal validity of the basic contracts, the risk of performing of contract duty, and the risk of interest rate itself.

但是，利率互换存在法律和政策风险、基础协议的效力风险、履约风险以及利率本身的风险。

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Often varying by state, usury laws specify the maximum legal interest rate that may be charged for a loan arrangement.

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The simultaneous contracts could be arranged to replicate any agreed interest rate while providing legal protection against default on one side and loan sharking on the other.

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Many still face legal repercussions from mortgages, mortgage securities, foreclosure practices and interest-rate-fixing probes.

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