What happens when the effective interest rate on a loan exceeds 60%? Find out about criminal interest rates, payday loans, and how actuaries bring actuarial evidence to bear in court. Featuring FCIAs Craig Allen, Principal at Craig A. Allen, FCAS; David Hart, Pension Consultant and Actuary at Hart Consulting; and Peter Gorham, Consulting Actuary and President of JDM Actuarial Expert Services.