A penalty of incarceration for a period not less than one year and a fine not less than (50,000) fifty thousand AED shall be imposed on any natural person who deals with another natural person by usury interest in any kind of civil or commercial transaction, whether such interest is express or latent. Latent interest shall include any commission or benefit stipulated by a creditor, if such a commission or benefit has no corresponding real legal benefit or service provided by the creditor as a consideration. A principal debt and latent interest may be proved by all means available. If the perpetrator takes advantage of the debtor's need, weakness or passion to commit the crime stipulated in this Article, this shall be considered an aggravating circumstance.
Interpretation and application must be checked against the official text and current version.