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Although not a lot attention was actually paid to small-loan regulation Arizona was actually an exclusion. Of the year 2000, whilst each and every nearby state–California, Utah, Nevada and brand-new Mexico–had complete away with ceilings for lightweight debts, Arizona however maintained a usury cap of 36 percent. Popular When it comes to those shows in which usury limits are records, the justification ended up being that consumers were wise adequate to comparison-shop for financing on expenditures like houses and autos.