WASHINGTON - In several class actions filed in the second quarter in Pennsylvania and Washington State, borrowers accuse subprime lenders of violating usury and licensing laws in making certain high loan-to-value loans, the law firm of Kirkpatrick & Lockhart LLP.

In a report issued Monday, the firm said that the complaints also allege violations of consumer protection laws.

The class actions generally focus on loans closed in 1995 and 1996, the report said. In some cases, the borrowers are suing not only lenders but also other firms such as business trusts, which hold the actual mortgage notes, the law firm said.

Similar suits have been filed in the last few years in Illinois, Michigan, and Missouri, according to the report.

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