Usury 

South Dakota Laws > Title 54 > Chapter 3 > § 54-3-3 - Annual rate of interest where not specified

When a rate of interest is prescribed by a law or contract, without specifying the period of time by which such rate is to be calculated, it is to be deemed an annual rate.

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Questions & Answers: Usury

What interest rate can be charged to customers for unpaid invoices? ...

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See also:

South Dakota Laws > Title 54 > Chapter 3 - Interest And Usury

Federal Regulations: Usury

CFR > Title 12 > Chapter V > Part 590 - Preemption of State usury laws

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