cephalopod
Well-Known Member
Are there any legal heads around that can think of any examples of other state laws that are in disaccord with federal law?
Thx TM13, this is part of an effort to change hearts and minds.I cannot think of any criminal law except MMMA off hand. There are Usury Laws nationwide that very wildly and seem laughable given the evasive nature of payday loans and such, no less the federal too big to fail types.
Michigan Usury Laws
Michigan has established a fairly restrictive statutory scheme when it comes to usury regulations in that state. Indeed, Michigan currently has one of most restrictive statutes pertaining to usury limits that can be found anywhere in the United States today.
The general usury limit in Michigan has been set at 7%. In other words, if the interest rate on a personal loan in Michigan exceeds the 7% rate, that loan is considered to be in violation of the law. It is considered to be an illegal contract and hence is unenforceable.
One does need to bear in mind that despite the restrictive nature of the usury law in Michigan, the law actually pertains to and governs over only a certain type of loan and lending practice in the state. Generally, the 7% usury cap in Michigan pertains to loans between individuals. The lending practices of state chartered banks, savings and loans, and credit unions are governed by another set of statutes and regulations in Michigan. Under the law, these state chartered institutions have a greater degree of flexibility when it comes to their own lending practices and the interest rates that they can charges to their borrowers.
The rationale behind these two separate interest rate schedules -- usury limitations for individual lenders and greater flexibility for bona fide lending institutions -- centers on the reality that there exists greater governmental authority and oversight in regard to bona fide lending institutions. In reality, if an individual were so inclined, he or she could start lending money on a whim and with not prior certification or approval from any governmental authority. Therefore, the usury laws in Michigan are deemed vital and necessary to control the lending practices of individuals who elect to extend financing to other individuals.
The usury limitations do not extend to instances in which an individual makes a loan to a corporation. Similarly, if an individual establishes a corporation for the sole intended purpose of lending money to an individual or individuals, that corporation essential will be considered a sham and the usury laws will be applicable.
Those statutes that govern usury and usurious lending practices in Michigan can be found codified at Michigan Compiled Laws Sections 438 and 439.
http://usurylaw.com/state/michigan.php
I cannot recall the particulars either, but in return we allowed for the use of 20% less BAL to prove "beyond a reasonable doubt" the charge of DUI. Very similar to the game of simple possession of over an ounce is somehow trafficking narcotics regardless of the facts of the matter. Yet, I know decades long alcoholics (disease victims) that do not even reach parity at that level, they are actually impaired without alcohol. The same can be said to a much further extreme with medical marijuana. That said, the MJ DUI schemes floating around this country scare the hell out of me and I pray to God that does not become a topic to ever face us here ...Yes but they are against the state law, the state supreme court ruled way back in the 1990's was it? Its hard to find out facts about it. Was a big deal when the ruling first came out and then was quickly swept under the rug and never talk about. There is good sound reasons DUI check points will not be here in Michigan..maybe its the state constitution, maybe thats has to be changed first, good luck doing that, lol.
Again, it's all connected to the "negotiations" of the time, something I like to refer to as regulatory capture. The "capture" will occur one way or another playing these games, it's just the public need story line that gets adjusted, or that is the straw man of debate if you will ...The .08 happen cause of federal highway road fundings, if the state wants the money, they gotta agree to all these things that the feds say to have, having a .08 DUI limit is just one of them. So far, DUI check points are not tied into the highway funds, I guess the feds could make check points happen if they really wanted to.
Our speed limits are "captured" by the same game, yet we have had differing outcomes at each turn. I get the game brother, it's just a piece of the puzzle (straw man) hiding the true and pervasive problem of regulatory capture. The DUI, MADD, SADD, etc phenomenon of the past couple of decades has produced a very expensive and costly industry within everyone of our communities (nationally/federally) with debatable outcomes and clearly diminishing returns. Does this game sound familiar?The feds have alot a power with the highway road funds, all states have agreed to them in order to receive the billions of dollars they get every year.