Article 4

Fourth, you asked, if you receive more from a Jew than Christians require from him, what should be done with what is left over.

The response for this comes from what has been said before. For that Christians do not require from the Jew what is left over can happen in two ways: in one way perhaps because the Jew has things apart from usurious gain, and in this case it is legitimate for you to keep it, observing however the moderation mentioned above (and the same would seem to be said if they from whom usury had been extorted should later make gifts to them [the Jews] in good will, but only when they [the Jews] show themselves ready to make restitution for usury); in another way it can happen that they from whom the Jews accepted usury have disappeared in the meantime, either through death, or that they are currently living in other countries, and then they are bound to make restitution; but when precise persons do not appear to who they are bound to make restitution, it seems that the procedure should be in line with what has been said above.

Now what has been said about the Jews is also to be understood about Cahors, and anyone else depending upon the depravity of usury.