If a bank offers loans at rates well above market averages and does so with complex provisions
That borrowers may not fully understand,this is often referred to as

Question

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Predatory lending refers to the practice of lenders offering loans with unfavorable terms and conditions, often to people who are in a vulnerable financial situation and may not fully understand the provisions of the loan. The lender may charge high interest rates and fees, and use aggressive or deceptive tactics to encourage borrowers to take out the loan. This can lead to borrowers becoming trapped in a cycle of debt, and can contribute to broader economic issues such as a housing market collapse.

If a Bank Offers Loans at Rates Well Above Market