[IDEM libro undecimo responsorum. ] §22.1.9.prPecuniae faenebris, intra diem certum debito non soluto, dupli stipulatum in altero tanto supra modum legitimae usurae respondi non tenere: quare pro modo cuiuscumque temporis superfluo detracto stipulatio uires habebit.
[THE SAME, Opinions, Book 11] In the case of interest-bearing money, where the debt is not paid within a certain day, I answered that a stipulation for double, to the extent of as much again, exceeding the limit of lawful interest, does not hold; therefore, after the excess is deducted, the stipulation will have effect in proportion to any period of time.
§22.1.9.1Usurarum stipulatio, quamuis debitor non conueniatur, committitur.
A stipulation for interest, even if the debtor is not sued, becomes enforceable.
nec inutilis legitimae usurae stipulatio uidetur sub ea condicione concepta 'si minores ad diem solutae non fuerint': non enim poena, sed faenus uberius iusta ratione sortis promittitur.
Nor does a stipulation for lawful interest seem invalid when conceived under the condition 'si minores ad diem solutae non fuerint'; for it is not a penalty, but a higher rate of interest that is promised on a just calculation of the principal.
si tamen post mortem creditoris nemo fuit cui pecunia solueretur, eius temporis inculpatam esse moram constitit: ideo si maiores usurae prioribus petantur, exceptio doli non inutiliter opponetur.
If, however, after the death of the creditor there was no one to whom the money could be paid, it is established that the delay during that time is without fault; therefore, if the higher interest is demanded instead of the former, a plea of fraud will not be uselessly opposed.