source:
  type: regulation
  id: va-38usc-3728
  authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728 — Exemption from State anti-usury provisions
  description: 'VA Home Loan Guaranty (38 U.S.C. ch. 37), §3728 Exemption from State anti-usury provisions. Captured
    section-complete from Cornell LII (verbatim).

    '
obligations:
- id: va-38usc-3728-full
  canonical_id: va-38usc-3728-full
  section: 38 U.S.C. §3728
  description: 'Exemption from State anti-usury provisions: If, under any law of the United States, loans and mortgages
    insured under title I or title II of the National Housing Act are exempt from the application of the provisions
    of any State constitution or law (1) limiting the rate or amount of interest, discount points, or other charges
    which may be cha…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3728
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/38/3728
    snapshot_id: 85fe95f04359b2b3
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:08b0764c7016f2104175d47804e0d59bbf029f783d0336a085b2b0c2083c57c7
    paragraph_quote: If, under any law of the United States, loans and mortgages insured under title I or title
      II of the National Housing Act are exempt from the application of the provisions of any State constitution
      or law (1) limiting the rate or amount of interest, discount points, or other charges which may be charged,
      taken, received, or reserved by lenders, (2) restricting the manner of calculating such interest (including
      prohibition of the charging of interest on interest), or (3) requiring a minimum amortization of principal,
      then loans guaranteed or insured under this chapter are also exempt from the application of such provisions.
      (Added Pub. L. 96–128, title IV, § 401(a) , Nov. 28, 1979 , 93 Stat. 986 , § 1828; amended Pub. L. 97–66,
      title V, § 501(b) , Oct. 17, 1981 , 95 Stat. 1032 ; renumbered § 3728, Pub. L. 102–83, § 5(a) , Aug. 6, 1991
      , 105 Stat. 406 .)
    drafter_attestation: Verbatim slice of 38 U.S.C. §3728 from Cornell LII snapshot 85fe95f04359b2b3; body isolated
      between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
