Section 356. Restrictions on certain loans by non-licensees, interests, other charges; loans made outside this state

No person or other entity,  other than a licensee under this article, shall directly  or  indirectly
  charge,   contract   for,   or   receive   any  interest,  discount,  or
  consideration greater than the person or other entity would be permitted
  by law to charge if it were not a licensee hereunder  upon  a  loan  not
  exceeding  the maximum amounts prescribed in section three hundred forty
  of this article.
    The foregoing prohibition shall apply to any person  or  other  entity
  who  or  which,  by any device, subterfuge, or pretense whatsoever shall
  charge, contract for, or receive  greater  interest,  consideration,  or
  charges  than is authorized by the laws of this state for any such loan,
  use, or forbearance of money, goods, or things in action or for any such
  loan, use, or sale of credit.
    Any loan in an amount not exceeding the maximum amounts prescribed  in
  section  three hundred forty of this article for which a greater rate of
  interest, consideration, or charges than is permitted  by  the  laws  of
  this state has been charged, contracted for, or received, wherever made,
  shall  not  be  enforced  in this state and every person or other entity
  participating therein in this state shall be subject to  the  provisions
  of  this article.   An action to enforce any such loan made in any other
  state to a person then a resident of that state, who now resides in this
  state may be maintained  in  this  state  if  the  amount  of  interest,
  discount,  consideration  or  other charge for such loan, demanded to be
  paid in such action, does not exceed that permitted  to  a  licensee  by
  section  three  hundred fifty-one of this article for a loan of the same
  amount repayable in the same manner.