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Usury Laws

Banks and Credit Card companies in Michigan must comply with Michigan’s usury and consumer protection laws.

Banks and credit card companies are locating credit card and loan operations in states, such as South Dakota, which allow exorbitant interest rates as high as a 32% annual rate, as well as abusive penalty provisions. The full faith and credit provisions of the U.S. Constitution then require the other states to honor these contracts. This action is an abuse of the commerce provisions of the U.S. Constitution.

The state currently imposes sales tax on items sold through the mail or over the internet on companies who have an office, store or other physical location in Michigan. This same legal concept must be applied to make any bank, credit card company, or other providers of credit, who have a physical presence in this state, to comply with the usury and consumer protection laws of this state.

Let’s face it, west Michigan is special.

Thank you for checking out my campaign website and taking the time to learn more about me and how I want to represent the good people of the 73rd District.

Why Run?  ...because I want to serve the people of our district and represent OUR shared values and OUR shared interests in Lansing.

I have been working hard to earn the support of the district.  I know that my perseverance, determination and commitment will resonate with the district and am hopeful that 2020 is OUR year.

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