An Analysis of the Impact of Usury Ceilings on Conventional Mortgage Loans
分析了立法机构设置高利贷上限的五个目标，指出这些上限会产生适得其反的效果，且因缺乏行政补救和调整机制而无法控制，最终建议避免设置高利贷上限。
Legislatures institute usury ceilings for a variety of reasons. The ceilings are designed to (1) curb excessive profits, (2) lower interest rates and inflation, (3) stimulate housing and growth, (4) subsidize certain consumer groups, and (5) protect the unwary and uninformed. However, in each case, the usury celings set up perverse effects which may defeat these goals. Particularly since the legislatures do not provide for administrative remedies, rationing, or adjustable ceilings, they cannot control these effects. Any reinstitution of ceilings must avoid these problems if the goals of the program are not to be defeated. However, the most effective policy would be to avoid the usury ceilings altogether.