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The proposed act limits permitted interest rates, defines key terms, requires prior licensing by a state banking officer, and establishes application requirements including name, address, and business location. It mandates license fees, examination administration funding, bonding requirements, and conditions for additional bonds, revocation, and enforcement for violations, including restrictions after repeated 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types of loans does the act cover and what interest-rate limits apply?","Question",{"text":112,"@type":113},"It covers making loans in sums of $300 or less, secured or unsecured, and prohibits charging, contracting for, or receiving a greater rate of interest than the legal contract rate, except as authorized by the Act.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What are the main requirements to apply for a license?",{"text":117,"@type":113},"Applications must be in writing with the applicant’s full name and address of residence and place of business, details of partners or corporate officers, and the county and municipality (with street and number) where business will be conducted, plus payment of an annual license fee for examinations and administration.",{"name":119,"@type":110,"acceptedAnswer":120},"When can a license be revoked?",{"text":121,"@type":113},"The licensing official may revoke a license for violations after notice and a reasonable opportunity to be heard, and must revoke upon a second conviction for violation of the Act’s specified section, after a prior conviction.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},326026,1790218565,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":52,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":52,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144},1374391974564,"https://ap-avatar.wpscdn.com/avatar/14000253aa45c000a9e?x-image-process=image/resize,m_fixed,w_180,h_180&k=1779874745381141002","97-84079-11Russell Sage Foundation  \nGeneral form of uniformsmall loan law...New York  \n1926  \nCOLUMBIA UNIVERSITY LIBRARIESPRESERVATION DIVISION  \n#           BIBLIOGRAPHIC MICROFORM TARGET         \n\nOBIGINAL MATERIAL AS FILMED·EXISTING BIBLIOGRAPHIC RECORD  \nReproductions may notbe made without permission from Columbia University Libraries.                  \n## RESTRICTIONS ON USE:\n\nTECHNICAL MICROFORM DATA  \nFILM SIZE:          35mmREDUCTION RATIO:      //:1  \nIMAGE PLACEMENT:IA IIA  \nDATE FILMED:5897                    \nPB  \nINITIALS:  \nTRACKING\\#:                                                                                        24102  \nFILMED BY PRESERVATION RESOURCES,BETHLEHEM,PA.  \nRL40  \n# GENERAL FORM OF UNIFORMSMALL LOAN LAW\n\nAS REVISED DECEMBER 31,1923  \n308  \nZ  \n130x246  \nNEw YoRKRuSSELL SAGE FoUNDATION  \n1926  \ngit  \n1-7-27  \nThis bil has been drafled after a thorough study of the smallLoan business and an exlended survey of experimental legis-lation in many stales,and is belieped to approximale a modelsmall Loan lanv.It is not expected that it willbe enacted inll states without change.Local condiions and legislatinecusloms may necessilate some minor amendments,but inall is essential feafares-license,supervision,interest rate,prohibitions,penallies,elc.—the bill should be adopted twith-out amendment.With only slight tariahions,the bill hasbecome latwo in Maine,Conmecicnt,Rhode Island,Penn-sylbania,Maryland,Virginia,Georgia,linois,IndianaIoua,Arizona,West Virginia,and Florida.The follou-ing sfates operale wnde laus zohich are the same in principleas the Umiform Lao with diferent rates of interest:NeuHampshire,Massachusetts,New York,Neu Jersey,Ohio,Michigan,Ulah,Oregon,and Tenessee.  \ne Dee.30,17乙?  \n# GENERAL FORM OF UNIFORM SMALL LOAN LAW\n\n(As Revised December 31,1923)  \nA Bill for an Act to license and regulate the business of making Ttheloans in sms of three hundred dollars(8300)or less,secmred or an-secured,at a greater rale of interest than·..(insert legal contracrate)per centm per anmm,prescribing the rate of interest and chargetherefor,and penallies for the violation thereof,and regulating the assign-ment of wages or salaries,earned or to be earned,when giten as securilyfor any such loan.  \nSection 1.(Insert appropriate enacting clause)that no person,Lceneco-partnership or corporation shall engage in the business of makingloans of money,credit,goods or things in action in the amount or tothe value of three hundred dollars(5300)or less,and charge,contractfor or receive a greater rate of interest than ...(insert legalcontract rate)per centum per annum therefor,except as authorizedby this Act and without first obtaining alicense from the.(insert title of state officer in charge of banks)hereinafter called thelicensing official.  \nSection 2.Application for such license shall be in writing andshall contain the full name and address,both of the residence andplace of business,of the applicant;and if the applicant is a co-partner-ship,of every member thereof;or if a corporation,of each officerthereof;also the county and municipality,with street and number,ifany,where the business is to be conducted.Every such applicantat the time of making such application shall pay to the licensingoffcial the sum of one hundred dollars($100)as an annual licensefee and in full payment of all expenses for examinations under and foradministration of this Act;provided that if the license is issued fora period of less than twelve months,the license fee shall be pro-ratedaccording to the number of months that said license shallrun.  \nAppleatlon  \nand tee  \nSection 3.The applicant shall also at the same time file with Bendthe licensing oficial a bond in which the applicant shall be the obligor,in the sum of one thousand dollars($1000),with one or more sureties,  \nLlcenee to  \nlesue  \nAddldonal  \nbond  \nReroking  \nMcen地  \nPosting  \nName,placef bualne84,  \n4  \nwhose liability as such sureties shall not exceed the sum of one thousanddo","cbCaitXHnSSDOtka","https://ap.wps.com/l/cbCaitXHnSSDOtka","pdf",435342,"English","# RESTRICTIONS ON USE:\n## TECHNICAL MICROFORM DATA\n# GENERAL FORM OF UNIFORM SMALL LOAN LAW\n## AS REVISED DECEMBER 31, 1923\n## A Bill for an Act\n## Section 1.\n## Section 2.\n## Section 3.\n## Section 4.\n## Section 5.\n## Section 6.","[{\"question\":\"What types of loans does the act cover and what interest-rate limits apply?\",\"answer\":\"It covers making loans in sums of $300 or less, secured or unsecured, and prohibits charging, contracting for, or receiving a greater rate of interest than the legal contract rate, except as authorized by the Act.\"},{\"question\":\"What are the main requirements to apply for a license?\",\"answer\":\"Applications must be in writing with the applicant’s full name and address of residence and place of business, details of partners or corporate officers, and the county and municipality (with street and number) where business will be conducted, plus payment of an annual license fee for examinations and administration.\"},{\"question\":\"When can a license be revoked?\",\"answer\":\"The licensing official may revoke a license for violations after notice and a reasonable opportunity to be heard, and must revoke upon a second conviction for violation of the Act’s specified section, after a prior conviction.\"}]","GENERAL FORM OF UNIFORM SMALL LOAN LAW - As Revised December 31, 1923 | PDF",1789972010,25]