It would appear that the countryвЂ™s various regulatory figures have actually converged at an arbitrary 36% APR in the place of doing affordability that is detailed reasonableness studies. Why 36% and never 39%, or 204%? Think about providing just what the marketplace needs, so long as re payment to income ratios permit the payment of principal in the long run? And just how should prices adapt to the riskiness of a debtor? While 36% might be sufficient for a near borrower that is prime can a subprime loan provider actually earn money at that limit?