Florida Statutes

Fla. Stat. § 687.031 (2025)

Construction, ss. 687.02 and 687.03.

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687.031 Construction, ss. 687.02 and 687.03.—Sections 687.02 and 687.03 shall not be construed to repeal, modify or limit any or either of the special provisions of existing statutory law creating exceptions to the general law governing interest and usury and specifying the interest rates and charges which may be made pursuant to such exceptions, including but not limited to those exceptions which relate to banks, Morris Plan banks, discount consumer financing, small loan companies and domestic building and loan associations.

History.—s. 3, ch. 29705, 1955.

Notes of Decisions

Cited in 8 cases, 1965–2006 · leading case: Cesary v. Second Nat. Bank of North Miami, 369 So. 2d 917 (Fla. 1979).

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Cesary v. Second Nat. Bank of North Miami, 369 So. 2d 917 (Fla. 1979). · cites it 7× “The Bank defended the action on the basis of section 687.031, Florida Statutes, *919 which allows the charging of interest in excess of ten percent for loans arising under one or more statutory exceptions outlined elsewhere in the Florida Statutes.”

McKenzie Check Advance of Florida v. Betts, 928 So. 2d 1204 (Fla. 2006). · cites it 2× “, § 687.031, Fla. Stat. (1993) ("Sections 687.”

Jersey Palm-Gross, Inc. v. Paper, 639 So. 2d 664 (Fla. Dist. Ct. App. 1994). · cites it 4× “See § 687.031, Fla. Stat. (1975). In 1975 The Florida Consumer Finance Act allowed interest on small loans as high as 30% per annum, in contrast to the general usury ceiling of 10% per annum.”

Cont'l Mortg. Investors v. Sailboat Key, Inc., 395 So. 2d 507 (Fla. 1981). · cites it 2× “See § 687.031, Fla. Stat. (1975). In 1975 The Florida Consumer Finance Act allowed interest on small loans as high as 30% per annum, in contrast to the general usury ceiling of 10% per annum.”

Betts v. Advance Am., 213 F.R.D. 466 (M.D. Fla. 2003). · cites it 2× “Fla. Stat. § 687.031 states that: Sections 687.”

Fin. Fed. Sav. & Loan Ass'n v. Burleigh House, Inc., 336 So. 2d 1145 (Fla. 1976). “” See Section 687.031, Fla. Stat. (1961). . Chapter 4158, § 8, Laws of Florida (1893), carried forward as Section 668.”

Silver Sands v. Pensacola Loan & Sav. Bank, 174 So. 2d 61 (Fla. Dist. Ct. App. 1965). · cites it 2× “…for the protection and security of said loan. * * *" F.S. § 656.17, F.S.A. [2] F.S. §§ 687.01, 687.02, F.S.A. [3] F.S. § 687.031, F.S.A.”

Burleigh House, Inc. v. Fin. Fed. Sav. & Loan Ass'n, 39 Fla. Supp. 173 (Fla. Cir. Ct., Miami-Dade Cty. 1973). “The Usury Act itself provided in §687.031, Florida Statutes 1967 — “Sections 687.”

— 687.031(1) — 1 case

Jersey Palm-Gross, Inc. v. Paper, 639 So. 2d 664 (Fla. Dist. Ct. App. 1994). “See § 687.031, Fla. Stat. (1975). In 1975 The Florida Consumer Finance Act allowed interest on small loans as high as 30% per annum, in contrast to the general usury ceiling of 10% per annum.”

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