The Government Can Gouge You?

Many (if not all) states, including Alabama, have laws outlawing usury, the charging of excessive interest rates. In Oxford, Alabama, the local development authority is exempt from state laws "governing usury or prescribing or limiting interest rates." (Ala. Code Sec. 45-8A-111.15)

So, while a banker could be indicted for charging too much interest, the government could charge whatever it wants when it makes a loan?