A creditor who willfully makes charges in excess of those permitted by Section 5-19-3 or a creditor who willfully engages in the business of making loans in violation of subsection (a) of Section 5-19-22, or both, is guilty of a misdemeanor and, upon conviction, shall be sentenced to pay a fine not exceeding five hundred dollars ($500) or to imprisonment not exceeding one year, or both.
Alabama Legal Code
Section 5-19-30 - Penalty for Violations
Source: https://alison.legislature.state.al.us/code-of-alabama?section=5-19-30· Version 2026