This historic book may have numerous typos and missing text. Purchasers can usually download a free scanned copy of the original book (without typos) from the publisher. Not indexed. Not illustrated. 1894 edition. Excerpt: ... CHAPTER XVII. USURY. "Usury bringeth the treasure of a realm into few hands."--Lord Bacon. "A free government cannot long endure where the tendency of the laws is to concentrate the wealth of the country in the hands of a few, and to render the masses poor and dependent." -- Daniel Webster. "Thou ...
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This historic book may have numerous typos and missing text. Purchasers can usually download a free scanned copy of the original book (without typos) from the publisher. Not indexed. Not illustrated. 1894 edition. Excerpt: ... CHAPTER XVII. USURY. "Usury bringeth the treasure of a realm into few hands."--Lord Bacon. "A free government cannot long endure where the tendency of the laws is to concentrate the wealth of the country in the hands of a few, and to render the masses poor and dependent." -- Daniel Webster. "Thou shalt not lend on usury to thy brother; usury of money, usury of victuals, usury of anything that is lent upon usury." -- Deut. Xxiii. 19. In considering the subject of interest, I prefer to deal with it as a branch of the general term usury, since by so doing a much better and more comprehensive idea of its operations and its effects may be obtained, than by treating it as a separate and independent factor of distribution. Usury, which proceeds from the Latin "usus," to use, signifies the payment for the use of anything. Whereever payment is exacted merely for use, that, properly speaking, is usury. Thus rent, as payment for the use of land, is usury, and interest, as payment for the use of money, is usury, irrespective of the percentage charged. Jurisprudence, or as it is sometimes more appropriately termed, jurisignorance, has created a fine distinction between the two terms, a distinction that exists rather in name than in principle. As a legal term, usury is excessive interest; that is, a rate beyond that fixed by law, and its exaction is made a crime. As this legal rate differs in different states and countries, and at different times in the same country, it is necessary, not only to consult the statutes, but also the map, in order to discover whether one is perpetrating a crime or not. The only difference between interest and usury in law, is a difference of percentage. I shall use the word usury as a general term denoting payment for the...
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