However, a newly established penalty will facilitate the arguments of the courts, since they will not have to deduce the invalidity of a usurious contract from a conflict with morality under Article 580 of the Civil Code. “The fact that a debtor pays excessive or even usurious interest to a creditor is contrary to the rules of conduct and generally accepted relations between persons and to the moral principles of the social order; In the opinion of the Supreme Court, an excessive level of interest rates, which is therefore contrary to morality, is generally a level of interest rates agreed in accordance with Article 658(1) of the Civil Code, which sets the usual interest rate at the time of the agreement, which applies above all to the highest interest rates applied by banks when granting loans or loans, much more. One of the usurious patterns forbidden in Islam is to use advantages to lend money. We would therefore like to get rid of these perishable practices and decide, with the agreement of the Holy Council, that all judges, captains, sovereigns, consuls, judges, councillors or other officials of these communities who, in the future, will arrogate to themselves the power to make, write or dictate such statutes, or will knowingly decide that usury is paid or, if they are paid, that it will not be fully and freely restored, if claimed, entails the sanction of excommunication. . . .