http://spreadsheets.google.com/feeds/list/o15304772113954570754.6199026372271807715/od6/public/basic/e8rn72007-07-03T18:18:22.618Z_cokwr: Prohibited, _cpzh4: Licensed lender law applies but interest rate is that agreed to by contract. N.Y. Banking Law § 340 et seq. A check casher licensee cannot make loans nor cash or advance any moneys on a post dated check unless it is a payroll check. N.Y. Banking Law § 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code § 190.40.