[
  {
    "state": "Alabama",
    "code": "AL",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 87.5,
    "aprPercent": 456.25,
    "maxCashUsd": null,
    "statute": "Ala. Code §5-18A-12(a)",
    "note": "",
    "sourceUrl": "https://banking.alabama.gov/?p=10211",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Alaska",
    "code": "AK",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 80,
    "aprPercent": 417.14,
    "maxCashUsd": null,
    "statute": "AS 06.50.460",
    "note": "$75 fee plus a $5 origination fee.",
    "sourceUrl": "https://www.akleg.gov/basis/statutes.asp?media=print&secStart=06.50.460&secEnd=06.50.460",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Arizona",
    "code": "AZ",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "A.R.S. §6-632",
    "note": "Arizona's payday-loan law expired in 2010; consumer loans of $3,000 or less are capped at 36% a year.",
    "sourceUrl": "https://www.azleg.gov/ars/6/00632.htm",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Arkansas",
    "code": "AR",
    "status": "Not permitted",
    "kind": "not-permitted",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "No authorizing statute (Attorney General)",
    "note": "The Attorney General reports that every storefront payday lender in the state has been shut down.",
    "sourceUrl": "https://arkansasag.gov/divisions/public-protection/finances/payday-lending-check-cashing/",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "California",
    "code": "CA",
    "status": "Max $255 cash",
    "kind": "below-500",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": 255,
    "statute": "Cal. Fin. Code §§23035, 23036",
    "note": "The check is capped at $300 and the fee at 15% of it, so the most cash is $255.",
    "sourceUrl": "https://dfpi.ca.gov/consumers/payday-lenders/",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Colorado",
    "code": "CO",
    "status": "6-month minimum term",
    "kind": "min-term",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "C.R.S. §5-3.1-103, §5-3.1-105",
    "note": "When a loan is made, the finance charge is capped at 36% APR.",
    "sourceUrl": "https://content.leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Connecticut",
    "code": "CT",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "Conn. Gen. Stat. §36a-555 et seq.",
    "note": "Loans over 12% a year are void unless the lender is licensed; licensed small lenders are capped at 36% APR.",
    "sourceUrl": "https://portal.ct.gov/DOB/Consumer/Consumer-Complaints/Payday-Loans-Title-Loans",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Delaware",
    "code": "DE",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "5 Del. C. §2229, §2235A",
    "note": "No fee cap; at most five short-term loans in 12 months and four rollovers.",
    "sourceUrl": "https://delcode.delaware.gov/title5/c022/sc03/index.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "District of Columbia",
    "code": "DC",
    "status": "Rate cap 24%",
    "kind": "rate-cap",
    "maxCostUsd": 4.6,
    "aprPercent": 23.99,
    "maxCashUsd": null,
    "statute": "D.C. Code §28-3301",
    "note": "",
    "sourceUrl": "https://code.dccouncil.gov/us/dc/council/code/sections/28-3301",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Florida",
    "code": "FL",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 55,
    "aprPercent": 286.79,
    "maxCashUsd": null,
    "statute": "Fla. Stat. §560.404, §560.309(8)",
    "note": "A 10% fee plus a verification fee of up to $5.",
    "sourceUrl": "https://www.flsenate.gov/Laws/Statutes/2025/560.404",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Georgia",
    "code": "GA",
    "status": "Not permitted",
    "kind": "not-permitted",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "O.C.G.A. §16-17-2",
    "note": "",
    "sourceUrl": "https://dbf.georgia.gov/node/125",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Hawaii",
    "code": "HI",
    "status": "Repealed 2022",
    "kind": "repealed",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Act 56, SLH 2021 (repealed HRS §480F-4)",
    "note": "Replaced by small installment loans: 36% interest plus a monthly fee, with a two-month minimum term on $500 or less.",
    "sourceUrl": "https://data.capitol.hawaii.gov/sessions/sessionlaws/Years/SLH2021/SLH2021_Act56.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Idaho",
    "code": "ID",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Idaho Code §28-46-412",
    "note": "No fee cap; the loan itself is capped at $1,000.",
    "sourceUrl": "https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412/",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Illinois",
    "code": "IL",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "815 ILCS 123/15-5-5",
    "note": "The 36% APR counts nearly all fees, and a loan above it is void (815 ILCS 123/15-5-10).",
    "sourceUrl": "https://www.illinois.gov/content/dam/soi/en/web/illinois/iisnewsattachments/23232-idfpr-releases-consumer-frequently-asked-questions-about-the-predatory-loan-prevention-act.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Indiana",
    "code": "IN",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 67,
    "aprPercent": 349.36,
    "maxCashUsd": null,
    "statute": "Ind. Code §37-3-3-2",
    "note": "Tiered: 15% of the first $250, 13% of the next $150, 10% of the rest.",
    "sourceUrl": "https://www.in.gov/dfi/files/2026-Brochure-INDIANA-SMALL-LOAN-LAW.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Iowa",
    "code": "IA",
    "status": "Max $445 cash",
    "kind": "below-500",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": 445,
    "statute": "Iowa Code §533D.9, §533D.10",
    "note": "The check is capped at $500 including the fee.",
    "sourceUrl": "https://www.legis.iowa.gov/docs/code/533D.9.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Kansas",
    "code": "KS",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 75,
    "aprPercent": 391.07,
    "maxCashUsd": null,
    "statute": "K.S.A. 16a-2-404",
    "note": "",
    "sourceUrl": "https://ksrevisor.gov/statutes/chapters/ch16a/016a_002_0404.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Kentucky",
    "code": "KY",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 88.24,
    "aprPercent": 460.11,
    "maxCashUsd": null,
    "statute": "KRS 286.9-100",
    "note": "$15 per $100 of the check's face, so a $588.24 check leaves $500 in cash. A $3 database fee is excluded.",
    "sourceUrl": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=57586",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Louisiana",
    "code": "LA",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 100.6,
    "aprPercent": 524.56,
    "maxCashUsd": null,
    "statute": "La. R.S. 9:3578.4",
    "note": "16.75% of the check's face, so a $600.60 check leaves $500 in cash.",
    "sourceUrl": "https://legis.la.gov/Legis/Law.aspx?d=107770",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Maine",
    "code": "ME",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 25,
    "aprPercent": 130.36,
    "maxCashUsd": null,
    "statute": "9-A M.R.S. §2-401(7)",
    "note": "The 30% annual cap would allow only $5.75, but a $25 minimum charge is allowed on loans of $250 or more.",
    "sourceUrl": "https://legislature.maine.gov/statutes/9-A/title9-Asec2-401.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Maryland",
    "code": "MD",
    "status": "Rate cap 33%",
    "kind": "rate-cap",
    "maxCostUsd": 6.33,
    "aprPercent": 33.01,
    "maxCashUsd": null,
    "statute": "Md. Code, Com. Law §12-306(a)(6)",
    "note": "2.75% a month on the first $1,000 of a loan of $2,000 or less.",
    "sourceUrl": "https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl&section=12-306&enactments=false",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Massachusetts",
    "code": "MA",
    "status": "Rate cap 23% + $20 fee",
    "kind": "rate-cap",
    "maxCostUsd": 24.41,
    "aprPercent": 127.28,
    "maxCashUsd": null,
    "statute": "209 CMR 26.01",
    "note": "On a two-week loan the $20 administrative fee is most of the cost.",
    "sourceUrl": "https://www.law.cornell.edu/regulations/massachusetts/209-CMR-26-01",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Michigan",
    "code": "MI",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 65,
    "aprPercent": 338.93,
    "maxCashUsd": null,
    "statute": "MCL 487.2153",
    "note": "Tiered from 15% of the first $100 down to 11% of the fifth, plus the database verification fee the law allows; $73.03 if the tiers apply to the check's face instead.",
    "sourceUrl": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-487-2153",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Minnesota",
    "code": "MN",
    "status": "Rate cap 50%",
    "kind": "rate-cap",
    "maxCostUsd": 9.59,
    "aprPercent": 50.01,
    "maxCashUsd": null,
    "statute": "Minn. Stat. §47.601",
    "note": "Short-term loans of $1,300 or less are capped at 50% APR.",
    "sourceUrl": "https://www.revisor.mn.gov/statutes/cite/47.601",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Mississippi",
    "code": "MS",
    "status": "Max $410 cash",
    "kind": "below-500",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": 410,
    "statute": "Miss. Code Ann. §75-67-519",
    "note": "The check is capped at $500 including the $21.95-per-$100 fee.",
    "sourceUrl": "https://dbcf.ms.gov/wp-content/uploads/2020/06/Check-Cashers-Consumer-Education-Pamphlet-PDF.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Missouri",
    "code": "MO",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "RSMo §408.505",
    "note": "No per-loan fee cap; total interest and fees over the loan and its renewals are capped at 75% of the amount borrowed.",
    "sourceUrl": "https://revisor.mo.gov/main/OneSection.aspx?section=408.505",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Montana",
    "code": "MT",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "Mont. Code Ann. §31-1-722",
    "note": "",
    "sourceUrl": "https://mca.legmt.gov/bills/mca/title_0310/chapter_0010/part_0070/section_0220/0310-0010-0070-0220.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Nebraska",
    "code": "NE",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "Neb. Rev. Stat. §45-918",
    "note": "",
    "sourceUrl": "https://nebraskalegislature.gov/laws/statutes.php?statute=45-918",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Nevada",
    "code": "NV",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "NRS 99.050, NRS 604A.5017",
    "note": "No fee cap; the term is capped at 35 days and the loan at 25% of expected gross monthly income.",
    "sourceUrl": "https://www.leg.state.nv.us/nrs/nrs-099.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "New Hampshire",
    "code": "NH",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "RSA 399-A:17",
    "note": "",
    "sourceUrl": "https://gc.nh.gov/rsa/html/XXXVI/399-A/399-A-mrg.htm",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "New Jersey",
    "code": "NJ",
    "status": "Rate cap 30%",
    "kind": "rate-cap",
    "maxCostUsd": 5.75,
    "aprPercent": 29.98,
    "maxCashUsd": null,
    "statute": "N.J.S.A. 2C:21-19",
    "note": "The usury ceiling for individual borrowers.",
    "sourceUrl": "https://www.nj.gov/dobi/pressreleases/pr130408.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "New Mexico",
    "code": "NM",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "NMSA §58-15-17 (HB 132, 2022)",
    "note": "Small loans also need a term of at least 120 days.",
    "sourceUrl": "https://www.nmlegis.gov/Sessions/22%20Regular/final/HB0132.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "New York",
    "code": "NY",
    "status": "Rate cap 25%",
    "kind": "rate-cap",
    "maxCostUsd": 4.79,
    "aprPercent": 24.98,
    "maxCashUsd": null,
    "statute": "N.Y. Penal Law §190.40; Gen. Oblig. Law §5-501",
    "note": "The state regulator says payday lending is illegal in New York under its usury laws.",
    "sourceUrl": "https://www.dfs.ny.gov/reports_and_publications/press_releases/pr1308061",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "North Carolina",
    "code": "NC",
    "status": "Not permitted",
    "kind": "not-permitted",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "N.C.G.S. §53-281 (expired)",
    "note": "",
    "sourceUrl": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/ByArticle/Chapter_53/Article_22.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "North Dakota",
    "code": "ND",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 100,
    "aprPercent": 521.43,
    "maxCashUsd": null,
    "statute": "N.D.C.C. §13-08-12",
    "note": "",
    "sourceUrl": "https://ndlegis.gov/cencode/t13c08.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Ohio",
    "code": "OH",
    "status": "91-day minimum term",
    "kind": "min-term",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Ohio Rev. Code §1321.39",
    "note": "Shorter terms are allowed only when each payment is a small share of income.",
    "sourceUrl": "https://codes.ohio.gov/ohio-revised-code/section-1321.39",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Oklahoma",
    "code": "OK",
    "status": "60-day minimum term",
    "kind": "min-term",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "59 O.S. §3150.1",
    "note": "No new deferred deposit loans since August 1, 2020; small loans replaced them.",
    "sourceUrl": "https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=485969",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Oregon",
    "code": "OR",
    "status": "31-day minimum term",
    "kind": "min-term",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "ORS 725A.064",
    "note": "",
    "sourceUrl": "https://www.oregonlegislature.gov/bills_laws/ors/ors725A.html",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Pennsylvania",
    "code": "PA",
    "status": "Rate cap 6%",
    "kind": "rate-cap",
    "maxCostUsd": 1.15,
    "aprPercent": 6,
    "maxCashUsd": null,
    "statute": "41 P.S. §201 (Loan Interest and Protection Law)",
    "note": "The general usury ceiling; licensed consumer discount companies may charge more, though far below payday-loan pricing.",
    "sourceUrl": "https://www.pa.gov/governor/newsroom/2025-press-releases/gov-shapiro-launches-new-consumer-protection-tools-help-pennsylv",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Rhode Island",
    "code": "RI",
    "status": "Max $454.55 cash",
    "kind": "below-500",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": 454.55,
    "statute": "R.I. Gen. Laws §19-14.4-4",
    "note": "The check is capped at $500 including the fee. The law authorizing these loans is repealed effective January 1, 2027.",
    "sourceUrl": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.4/19-14.4-4.htm",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "South Carolina",
    "code": "SC",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 75,
    "aprPercent": 391.07,
    "maxCashUsd": null,
    "statute": "S.C. Code §34-39-180",
    "note": "",
    "sourceUrl": "https://www.scstatehouse.gov/code/t34c039.php",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "South Dakota",
    "code": "SD",
    "status": "Rate cap 36%",
    "kind": "rate-cap",
    "maxCostUsd": 6.9,
    "aprPercent": 35.98,
    "maxCashUsd": null,
    "statute": "SDCL §54-4-44 (Initiated Measure 21, 2016)",
    "note": "",
    "sourceUrl": "https://dlr.sd.gov/banking/money_lenders/guidance_initiated_measure_21.aspx",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Tennessee",
    "code": "TN",
    "status": "Max $425 cash",
    "kind": "below-500",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": 425,
    "statute": "Tenn. Code §45-17-112",
    "note": "The check is capped at $500 including the 15% fee.",
    "sourceUrl": "https://www.tn.gov/content/dam/tn/financialinstitutions/documents/consumer_alert_deferred_presentment_law_change-internet_revised.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Texas",
    "code": "TX",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Tex. Fin. Code §393.622(c)",
    "note": "The lender's interest is capped, but the credit access business's broker fee is not.",
    "sourceUrl": "https://capitol.texas.gov/tlodocs/82R/billtext/html/HB02594F.htm",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Utah",
    "code": "UT",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Utah Code §7-23-401",
    "note": "",
    "sourceUrl": "https://dfi.utah.gov/wp-content/uploads/sites/29/2021/06/Consumer-Guide-to-Payday-Lending-in-Utah.pdf",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Vermont",
    "code": "VT",
    "status": "Rate cap 18%",
    "kind": "rate-cap",
    "maxCostUsd": 3.45,
    "aprPercent": 17.99,
    "maxCashUsd": null,
    "statute": "9 V.S.A. §41a",
    "note": "",
    "sourceUrl": "https://legislature.vermont.gov/statutes/section/09/004/00041a",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Virginia",
    "code": "VA",
    "status": "4-month minimum term",
    "kind": "min-term",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Va. Code §6.2-1816.1",
    "note": "Shorter terms are allowed only when each payment is a small share of income.",
    "sourceUrl": "https://law.lis.virginia.gov/vacode/title6.2/chapter18/section6.2-1816.1/",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Washington",
    "code": "WA",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 75,
    "aprPercent": 391.07,
    "maxCashUsd": null,
    "statute": "RCW 31.45.073",
    "note": "",
    "sourceUrl": "https://app.leg.wa.gov/RCW/default.aspx?cite=31.45.073",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "West Virginia",
    "code": "WV",
    "status": "Not permitted",
    "kind": "not-permitted",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "No authorizing statute (W. Va. Code ch. 46A rate caps)",
    "note": "",
    "sourceUrl": "https://dfi.wv.gov/consumers",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Wisconsin",
    "code": "WI",
    "status": "No fee cap",
    "kind": "no-cap",
    "maxCostUsd": null,
    "aprPercent": null,
    "maxCashUsd": null,
    "statute": "Wis. Stat. §138.14(10)(a)1.",
    "note": "No cap on interest before the maturity date.",
    "sourceUrl": "https://docs.legis.wisconsin.gov/document/statutes/138.14(10)(a)1.",
    "checkedAt": "2026-10-19"
  },
  {
    "state": "Wyoming",
    "code": "WY",
    "status": "Fee cap",
    "kind": "fee-cap",
    "maxCostUsd": 100,
    "aprPercent": 521.43,
    "maxCashUsd": null,
    "statute": "W.S. 40-14-363",
    "note": "The statute lets the full 20%-a-month charge be taken on any term. The Legislative Service Office has read it as prorated for terms under a month, which would limit this loan to about $45 (about 235% APR).",
    "sourceUrl": "https://wyoleg.gov/statutes/compress/title40.pdf",
    "checkedAt": "2026-10-19"
  }
]