<P> Usury is a different form of abuse, where the lender charges excessive interest . In different time periods and cultures the acceptable interest rate has varied, from no interest at all to unlimited interest rates . Credit card companies in some countries have been accused by consumer organizations of lending at usurious interest rates and making money out of frivolous "extra charges". </P> <P> Abuses can also take place in the form of the customer abusing the lender by not repaying the loan or with an intent to defraud the lender . </P> <P> Most of the basic rules governing how loans are handled for tax purposes in the United States are codified by both Congress (the Internal Revenue Code) and the Treasury Department (Treasury Regulations--another set of rules that interpret the Internal Revenue Code). </P> <P> 1 . A loan is not gross income to the borrower . Since the borrower has the obligation to repay the loan, the borrower has no accession to wealth . </P>

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