South Dakota Specific Guaranty
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How to fill out Specific Guaranty?
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FAQ
Does a Power of Attorney need to be notarized, witnessed, and/or recorded in South Dakota? The requirements and restrictions vary by state; however, in South Dakota, if you plan for the agent to handle matters related to children or real estate, then notarization will be required.
Interest, Costs and Attorney's Fees Post-judgment interest is payable on all judgments at the statutory rate. SDCL §54-3-5.1. The statutory rate in South Dakota is currently 10 percent per annum. SDCL §54-3-16(2).
This refers to the so-called usury rates, ie when the lender is charging a very high interest rate that is deemed unreasonable. To avoid this situation, public institutions are tasked in some countries to set a maximum interest rate for credit products.
Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law.
South Dakota interest rate laws generally defer to contract law. One exception is a 12 percent limit on judgments. Generally speaking, South Dakota's interest rate limit is 15 percent. Beyond this fact, there is no usury limitation per se in the State of South Dakota..
There is no limit on card interest rates As for how high your card interest rate can go, the CARD Act did not establish a ceiling. Usury refers to lending at a rate of interest that is so high as to be unreasonable.
There is no federal regulation on the maximum interest rate that your issuer can charge you, though each state has its own approach to limiting interest rates. State usury laws often dictate the highest interest rate that can be charged on loans, but these often don't apply to credit card loans.
Many states have a usury law which limits the interest rate that a company may charge. Most of these laws capped interest rates at 18%. However, some states, such as South Dakota, do not have a usury law, allowing in-state businesses to charge as much interest as they want.