You are quite right, you should hire a legal researcher to look up these precidents in can law since you cannot be bothered rates are 200.00 / hour. And they can charge you up to 30 % intrest. Again criminal code dropped it from the 60% to 30% and yes anything over 21 will go against court precidents in existing steelements on lost income and loans, but you can look that up yourself as you clearly know how to google law in ontario? I really dint care to cite the cases for you and im not intwrested in apoon feeding you vase history you can do this yourself. CJS rulings are aritculated in tables and never go above 18% which means in ontario your loss of utility for funds lost is never seen as mkre than 18% intrest (cjs tables are available) now beyond this settlemtns will cite anytjing above 21% as usuary. (thats the old christian common leagal term for loansharkings) you are free to look it up and once changes to 327 are acdended anytjing over 30% is literally criminal, as in money mart goes poof. Or i guess you like robbing the poor or cindome payday loans (which are yet another poor tax) or you are simply a luddite trool looking for engadgement because you cannot be bothered to use can law to look up precidents? (again awards for damages consider lost utility re. Intrest on damages and no court in ontario has offered more than 18% in the lase 35 years) perhaps you should go to law school amd develop these skills yourself? Because clearly your rather waste time on reddit asking folks about sources instead of foing actual articling resarch yourself.