In the Netherlands, France and England, lending-houses were first known under the name of _Lombards_, the origin of which is evident. It is well known that in the thirteenth and following centuries many opulent merchants of Italy, which at those periods was almost the only part of Europe that carried on an extensive trade, were invited to these countries, where there were few mercantile people able to engage deeply in commerce. For this reason they were favoured by governments in most of the large cities; but in the course of time they became objects of universal hatred, because they exercised the most oppressive usury, by lending at interest and on pledges. They were called _Longobardi_ or _Lombardi_, as whole nations are often named after a part of their country, in the same manner as all the Helvetians are called Swiss, and the Russians sometimes Moscovites. They were, however, called frequently also Caorcini, Caturcini, Caursini, Cawarsini, Cawartini, Bardi, and Amanati; names, which in all probability arose from some of their greatest houses or banks. We know, at any rate, that about those periods the family of the Corsini were in great consideration at Florence. They had banks in the principal towns for lending money; they demanded exorbitant interest; and they received pledges at a low value, and retained them as their own property if not redeemed at the stated time. They eluded the prohibition of the church against interest when they found it necessary, by causing the interest to be previously paid as a present or a premium; and it appears that some sovereigns borrowed money from them on these conditions. In this manner did Edward III. king of England, when travelling through France in the year 1329, receive 5000 marks from the bank of the Bardi, and give then in return, by way of acknowledgement, a bond for 7000[50]. When complaints against the usurious practices of these Christian Jews became too loud to be disregarded, they were threatened with expulsion from the country, and those who had rendered themselves most obnoxious on that account, were often banished, so that those who remained were obliged to conduct themselves in their business with more prudence and moderation. It is probable that the commerce of these countries was then in too infant a state to dispense altogether with the assistance of these foreigners. In this manner were they treated by Louis IX. in 1268, and likewise by Philip the Bold; and sometimes the popes, who would not authorise interest, lent their assistance by prohibitions, as was the case in regard to Henry III. of England in 1240.