MA · SERVICE-AGMT · Updated July 2026 · Free
Massachusetts Service Agreement
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Massachusetts at a glance: Usury Cap: 20% per year (M.G.L. Ch. 271 § 49) · Governing Law: Massachusetts General Laws
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Overview
Service Agreements in Massachusetts
Massachusetts service agreements are interpreted under common law contract rules and Chapter 106 of the General Laws (UCC).
Late interest fees must not exceed the state usury threshold of 20% per year (M.G.L. Ch. 271 § 49).
Key Facts
Massachusetts Service Agreement — Quick Reference
| Requirement | Massachusetts Rule |
|---|---|
| Usury Cap | 20% per year (M.G.L. Ch. 271 § 49) |
| Governing Law | Massachusetts General Laws |
Legal Requirements
Massachusetts Legal Requirements
- Interest rates above 20% are considered criminal usury and are void.
Governing Laws
Massachusetts Governing Laws
Read the full text of these laws at Cornell Law School's Massachusetts legal resources or your state legislature's official website.
Questions & Answers
Massachusetts Service Agreement — Frequently Asked Questions
Does Massachusetts require specific notice to charge late fees?
No, but the interest rate must be clearly disclosed in the written agreement.