Usury laws local, and to be strictly construed, sec 461. Between conflicting laws, that least onerous is to be applied, sec 462. Law of place of performance controls, sec 463. Mistake in fact will not avoid contract, otherwise as to mistake in law, sec

464. Stranger cannot avail himself of statute, sec 465. Contract not in itself valid not affected by subsequent usurious receptions,.

Sec 466.

Statute cannot be evaded by disguising or reconstructing loan, sec 467.

Statutes do not apply to any transactions but loans, sec 468.

Borrower in usurious contract cannot defend without doing equity, sec 469.

Question one of exaction, not of payment, sec 470.