xxii . TABLE OF CONTENTS 



PAGE 



B. OTHER FACTORS IN THE COST OF LOANS 



223. Gross Interest and Net Interest 693 



224. How to Lower the Cost of Borrowing. Charles G. Taylor . 694 



225. The Torrens System of Land Transfer. Jeremiah W. Jenks 698 



C. SOME CAUSES OF VARIATION IN INTEREST RATES 



226. Interest Rates Paid by American Farmers. C. W. Thomp- 

 son .... 700 



227. Seasonal Demand for Loans and Prevailing Interest Rates. 

 Federal Reserve Board 707 



228. Bank Rates to the Farmer. Jesse E. Pope 708 



D. MAKING INTEREST RATES BY LAW 



229. Usury Laws and Their Enforcement 709 



230. "An Effective Usury Law." John Fields 709 



XIV. RURAL CREDITS 

 INTRODUCTION 712 



A. THE COMING OF THE RURAL CREDIT PROBLEM 



231. Agricultural Depression and the Increase of Farm Mort- 

 gages. /. R. Elliott 71.3 



232. The Census Report of 1890 on Farm Mortgages. Eleventh 

 Census 716 



233. Farm Indebtedness in the United States. Jesse E. Pope . 720 



B. FARM CREDIT INSTITUTIONS OF THE UNITED STATES 



234. Mortgage Broker and Mortgage Company. James Willis 

 Gleed .723 



235. Some Mortgage Company Offerings 728 



236. Investments of Life Insurance Companies in Farm Mort- 

 gages. Robert Lynn Cox 731 



237. Drainage Bonds as a Form of Agricultural Credit. Tom K. 

 Smith 737 



238. Credit Extension by the Implement Dealer. United States 

 Commissioner of Corporations 741 



239. Store Credit in the South. Lewis H. Haney 745 



240. Loans for the Cattle-Man. /. F. Ebersole 747 



C. UTILIZING AND IMPROVING EXISTING CREDIT AGENCIES 



241. What the Farm Mortgage Bankers Offer. F. W. Thompson 750 



242. The Bankers' Effort to Improve Personal Credit in the South. 

 Joseph Hirsch 756 



243. The Rate-Sheet as a Means of Standardizing Credit . . 757 



