Congress or the U.S. Supreme Court should invalidate state usury laws which violate the Ninth Amendment right of citizens to freedoms not specifically enumerated elsewhere in the Constitution. Interest rate caps essentially ban small-dollar short-term lending to people without good credit, an extremely important service and economic enterprise, and they also violate the separation of Church and State as they are founded in religious ideas. In a free society the price of loans should be determined by competition in the marketplace, not the dictates of those who want to force their beliefs on others.