Section 16a-5-107 - [Effective 1/1/2025] (UCCC) Extortionate extensions of credit(1) If it is the understanding of the creditor and the consumer that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the consumer.(2) If an extension of credit was made at an annual rate exceeding 36% calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation or property of any person to collect extensions of credit or to punish the nonrepayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (1).Amended by L. 2024, ch. 6,§ 98, eff. 1/1/2025.L. 1973, ch. 85, § 83; 1/1/1974.This section is set out more than once due to postponed, multiple, or conflicting amendments.