History II / Towns and Commerce, Eleventh to Thirteenth Centuries
Practice question · Multiple choice

The commercial revolution created instruments that accommodated the Church's ban on usury rather than abolishing credit. How did the bill of exchange achieve this in practice?

Hints
  1. Did merchants eliminate credit, or change the legal category under which it was recorded?
  2. How might shifting money between different regional currencies alter the explicit nature of a loan?
Show the answer

A. By moving funds across currencies to disguise the charge for credit

Why

Bills of exchange converted lending into a currency exchange transaction, concealing interest within exchange rates. The ban did not halt credit or require special charters; instead, it prompted merchants to devise legal fictions that decoupled profit from direct interest.

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