OPINION
FARRIS, Justice.
This is a usury case. Ronald C. Cook and Cook Properties (Cook), appeal from summary judgment on the usury claims brought against them by Richard Frazier, Carol Frazier, and Richard and Carol Frazier Enterprises (Fraziers). The trial court found that the choice of law provisions contained in the parties' contracts specifying that Utah law governed their agreements was a subterfuge to avoid the usury laws of Texas and that the contracts...
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