Usury; Or, Interest, Premium and Discount by S. H. Crittenden

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Author Crittenden, S. H.
LoC No. 05022546
Title Usury; Or, Interest, Premium and Discount
Note Reading ease score: 60.3 (8th & 9th grade). Neither easy nor difficult to read.
Credits Produced by deaurider, David E. Brown, and the Online
Distributed Proofreading Team at https://www.pgdp.net (This
file was produced from images generously made available
by The Internet Archive)
Summary "Usury; Or, Interest, Premium and Discount" by S. H. Crittenden is a lecture-based book that delves into the economic concepts of usury, interest, discount, and premium. Written during the mid-19th century, it situates itself in a time when industrialization was reshaping economic practices and perspectives. The book primarily addresses the nature of usury and its implications in commercial transactions, highlighting its relevance in accounting and legal contexts. In this thorough exploration, Crittenden provides definitions and distinctions crucial for understanding financial relationships. He differentiates between interest, the cost of borrowing money, and discount, which refers to deductions made on future payments. The lecture presents the historical context of usury laws and critiques their effectiveness, arguing that restrictions on interest rates lead to unintended consequences, such as increased rates of illegal usury and hardships for borrowers. Crittenden's discussion ultimately urges a reconsideration of usury legislation, suggesting that the right to negotiate interest rates freely aligns more suitably with market principles and consumer rights. (This is an automatically generated summary.)
Language English
LoC Class HB: Social sciences: Economic theory, Demography
Subject Usury
Category Text
EBook-No. 62459
Release Date
Copyright Status Public domain in the USA.
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