{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/6.2-304.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/6.2-304.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/6.2-304.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/6.2-304.html"}],"law_id":54820,"edition_id":1,"section_id":54820,"structure_id":13815,"section_number":"6.2-304","catch_line":"Plea of usury; judgment","history":"1987, c. 622, \u00a7 6.1-330.56; 2010, c. 794.","full_text":"Any borrower may plead in general terms that the contract on which the action is brought was for the payment of interest greater than is allowed by statute. If the court determines that the contract is usurious, judgment shall be rendered only for the principal sum.","order_by":null,"text":{"0":{"id":201157,"text":"Any borrower may plead in general terms that the contract on which the action is brought was for the payment of interest greater than is allowed by statute. If the court determines that the contract is usurious, judgment shall be rendered only for the principal sum.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":13815,"edition_id":1,"name":"Usury","identifier":"3","label":"article","depth":4,"order_by":1,"parent_id":13814,"metadata":{},"date_created":"2026-06-26 03:45:57","date_modified":"2026-06-26 03:45:57","permalink":{"id":263355,"object_type":"structure","relational_id":13815,"identifier":"3","token":"6.2\/I\/3\/3","url":"\/6.2\/I\/3\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13814,"edition_id":1,"name":"Interest and Usury","identifier":"3","label":"chapter","depth":3,"order_by":1,"parent_id":12853,"metadata":{},"date_created":"2026-06-26 03:45:57","date_modified":"2026-06-26 03:45:57","permalink":{"id":263333,"object_type":"structure","relational_id":13814,"identifier":"3","token":"6.2\/I\/3","url":"\/6.2\/I\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12853,"edition_id":1,"name":"General Provisions","identifier":"I","label":"subtitle","depth":2,"order_by":1,"parent_id":12852,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263251,"object_type":"structure","relational_id":12853,"identifier":"I","token":"6.2\/I","url":"\/6.2\/I\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12852,"edition_id":1,"name":"Financial Institutions and Services","identifier":"6.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263249,"object_type":"structure","relational_id":12852,"identifier":"6.2","token":"6.2","url":"\/6.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":54820,"structure_id":13815,"section_number":"6.2-304","catch_line":"Plea of usury; judgment","url":"\/6.2-304\/","token":"6.2\/I\/3\/3\/6.2-304","metadata":false},{"id":87142,"structure_id":13815,"section_number":"6.2-305","catch_line":"Recovery of twice total usurious interest paid; limitation of action; injunction to prevent sale of property pending action; effect of errors in computation","url":"\/6.2-305\/","token":"6.2\/I\/3\/3\/6.2-305","metadata":false},{"id":67369,"structure_id":13815,"section_number":"6.2-306","catch_line":"Waiver of rights violative of public policy","url":"\/6.2-306\/","token":"6.2\/I\/3\/3\/6.2-306","metadata":false},{"id":57733,"structure_id":13815,"section_number":"6.2-307","catch_line":"Assertion of defenses or claims by borrowers; effect of assignment","url":"\/6.2-307\/","token":"6.2\/I\/3\/3\/6.2-307","metadata":false},{"id":77492,"structure_id":13815,"section_number":"6.2-308","catch_line":"Entities not permitted to plead usury","url":"\/6.2-308\/","token":"6.2\/I\/3\/3\/6.2-308","metadata":false}],"next_section":{"id":87142,"structure_id":13815,"section_number":"6.2-305","catch_line":"Recovery of twice total usurious interest paid; limitation of action; injunction to prevent sale of property pending action; effect of errors in computation","url":"\/6.2-305\/","token":"6.2\/I\/3\/3\/6.2-305","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/6.2-304\/","history_text":"

This law was first created in 1987. The record of its establishment is cataloged in chapter 622 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1987 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 2010, chapter 794<\/a>.<\/p>","references":[{"id":57733,"section_number":"6.2-307","catch_line":"Assertion of defenses or claims by borrowers; effect of assignment","order_by":null,"url":"\/6.2-307\/"},{"id":66025,"section_number":"6.2-327","catch_line":"Certain loans secured by a subordinate deed of trust or mortgage","order_by":null,"url":"\/6.2-327\/"},{"id":55296,"section_number":"6.2-328","catch_line":"Charges allowed on loan secured by subordinate mortgage","order_by":null,"url":"\/6.2-328\/"}],"refers_to":false,"permalink":{"id":263357,"object_type":"law","relational_id":54820,"identifier":"6.2-304","token":"6.2\/I\/3\/3\/6.2-304","url":"\/6.2-304\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/6.2-304\/","token":"6.2\/I\/3\/3\/6.2-304","dublin_core":{"Title":"Plea of usury; judgment","Type":"Text","Format":"text\/html","Identifier":"\u00a7 6.2-304","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Any borrower may plead in general terms that the contract<\/span> on which the action is brought was for the payment of interest greater than is allowed by statute<\/span>. If the court<\/span> determines that the contract<\/span> is usurious, judgment<\/span> shall be rendered only for the principal sum.<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nPLEA OF USURY; JUDGMENT (\u00a7 6.2-304)\n\nAny borrower may plead in general terms that the contract on which the action is\nbrought was for the payment of interest greater than is allowed by statute. If\nthe court determines that the contract is usurious, judgment shall be rendered\nonly for the principal sum.\n\nHISTORY: 1987, c. 622, \u00a7 6.1-330.56; 2010, c. 794.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}