VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728 — Exemption from State anti-usury provisions

va-38usc-3728

VA Home Loan Guaranty (38 U.S.C. ch. 37), §3728 Exemption from State anti-usury provisions. Captured section-complete from Cornell LII (verbatim).

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source:
  type: regulation
  id: va-38usc-3728
  authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728 — Exemption from State anti-usury provisions
  description: |
    VA Home Loan Guaranty (38 U.S.C. ch. 37), §3728 Exemption from State anti-usury provisions. Captured section-complete from Cornell LII (verbatim).
  effective_date: '1991-08-06'
  amendment_history: (Added Pub. L. 96-128, title IV, § 401(a) , Nov. 28, 1979 , 93 Stat. 986 , § 1828; amended Pub. L. 97-66, title V, § 501(b) , Oct. 17, 1981 , 95 Stat. 1032 ; renumbered § 3728, Pub. L. 102-83, § 5(a) , Aug. 6, 1991 , 105 Stat. 406 .)
  date_basis: statutory credit line
obligations:
  - id: va-38usc-3728-full
    canonical_id: va-38usc-3728-full
    section: 38 U.S.C. §3728
    description: 'Exemption from State anti-usury provisions: If, under any law of the United States, loans and mortgages insured under title I or title II of the National Housing Act are exempt from the application of the provisions of any State constitution or law (1) limiting the rate or amount of interest, discount points, or other charges which may be cha…'
    type: dont
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728
      source_class: usc-statute-lii
      source_url: https://www.law.cornell.edu/uscode/text/38/3728
      snapshot_id: 85fe95f04359b2b3
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:08b0764c7016f2104175d47804e0d59bbf029f783d0336a085b2b0c2083c57c7
      paragraph_quote: If, under any law of the United States, loans and mortgages insured under title I or title II of the National Housing Act are exempt from the application of the provisions of any State constitution or law (1) limiting the rate or amount of interest, discount points, or other charges which may be charged, taken, received, or reserved by lenders, (2) restricting the manner of calculating such interest (including prohibition of the charging of interest on interest), or (3) requiring a minimum amortization of principal, then loans guaranteed or insured under this chapter are also exempt from the application of such provisions. (Added Pub. L. 96–128, title IV, § 401(a) , Nov. 28, 1979 , 93 Stat. 986 , § 1828; amended Pub. L. 97–66, title V, § 501(b) , Oct. 17, 1981 , 95 Stat. 1032 ; renumbered § 3728, Pub. L. 102–83, § 5(a) , Aug. 6, 1991 , 105 Stat. 406 .)
      drafter_attestation: Verbatim slice of 38 U.S.C. §3728 from Cornell LII snapshot 85fe95f04359b2b3; body isolated between nav and Editorial/Statutory Notes; substring-verified.

Verbatim regulatory text (1)

Verbatim provisions from VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728 — Exemption from State anti-usury provisions — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

38 U.S.C. §3728

If, under any law of the United States, loans and mortgages insured under title I or title II of the National Housing Act are exempt from the application of the provisions of any State constitution or law (1) limiting the rate or amount of interest, discount points, or other charges which may be charged, taken, received, or reserved by lenders, (2) restricting the manner of calculating such interest (including prohibition of the charging of interest on interest), or (3) requiring a minimum amortization of principal, then loans guaranteed or insured under this chapter are also exempt from the application of such provisions. (Added Pub. L. 96–128, title IV, § 401(a) , Nov. 28, 1979 , 93 Stat. 986 , § 1828; amended Pub. L. 97–66, title V, § 501(b) , Oct. 17, 1981 , 95 Stat. 1032 ; renumbered § 3728, Pub. L. 102–83, § 5(a) , Aug. 6, 1991 , 105 Stat. 406 .)

Source: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728 · source URL · snapshot 85fe95f04359b2b3

Operationalizing VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728 — Exemption from State anti-usury provisions

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.

Source of record: https://claudeforcompliance.com/regs/va-38usc-3728/ · register va-38usc-3728 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.