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Submit a Chapter 271(d) Usury Notice Filing

*Please see below for an important update regarding a new online Usury portal*

Criminal Usury is defined under c. 271 § 49 of the General Laws of Massachusetts. M.G.L c.271 § 49(a) established that any person who loans money and takes interest and expenses greater than twenty per centum per annum shall be guilty of criminal usury. M.G.L c.271 § 49(c) states that any loan at a rate of interest prescribed above may be declared void by the Supreme Judicial Court.

M.G.L c.271 § 49(d) provides that paragraph (a) to (c) shall not apply to any person who notifies the Attorney General of their intent to engage in a transaction or transactions under the provisions of paragraph (a). Such notifications shall be valid for a two-year period and shall contain the person’s name and accurate address.

Notices must include the contact information for the lender. A copy of the notice must be filed with the Attorney General. 

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Learn how to submit copies of Usury Notices online to the Attorney General's Office.

Filing Copies of Notices with the Attorney General:

Lenders may send copies of notices to the Attorney General’s Office by mail to the below address. However, we strongly encourage lenders with a significant volume of notices to file electronically. Copies of notices may be filed in searchable PDF format.

271(d) Notice Filing Portal

We are pleased to announce that the AGO has launched an online portal to accept copies of these “271(d) Usury Notices” electronically.

What’s Changed?

  • To obtain a link to the portal for filing 271(d) Usury Notices, please follow the link below.
  • Lenders filing copies of 271(d) Usury Notices will now complete a brief form using the portal website and will be allowed to attach copies of the notices for upload directly to the portal.
  • The portal will accept PDF formats.
  • Each submission shall contain a copy of the notice from a single loan filing. Please do not batch notices from multiple loan transactions into a single filing.
  • The portal will provide a confirmation of receipt to the email address listed on the submission form.

What Hasn’t Changed?

  • The AGO has not changed the requirements for the notice filings themselves. Filings will still be accepted via mail, though online filing is strongly encouraged.

For more information about this law and its regulations, please visit the General Laws of Massachusetts page here.

Where to Send Copies to the AGO By Mail
Please use the below contact information on these notices:
Gaming Enforcement Division, Usury
Office of the Attorney General
One Ashburton Place
Boston, MA 02108
Questions or Concerns?
Contact us:
(617-963-2223)
GED-Usury@mass.gov 

File a Usury Notice 

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