Once again I'm not the one confused here's an example where both the companies and their owner were charged with criminal usury. LMAO
New York Prosecutors Charge Payday Loan Firms With Usury
Cyrus R. Vance Jr., the Manhattan district attorney, criticized the “exploitative practices” of payday lending.
AUGUST 11, 2014 A trail of money that began with triple-digit loans to troubled New Yorkers and wound through companies owned by a former used-car salesman in Tennessee led New York prosecutors on a yearlong hunt through the shadowy world of payday lending.
On Monday, that investigation culminated with state prosecutors in Manhattan bringing criminal charges against a dozen companies and their owner,