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

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Predatory lending refers to the practice of lending money to individuals or small businesses at extremely high rates of interest, often with hidden fees and complex provisions that can make it difficult for borrowers to understand the terms of the loan. This type of lending can be considered predatory because it takes advantage of people who may not fully understand their financial options, and can lead to high levels of debt and financial instability for borrowers.

If a Bank Offers Loans at Rates Well Above Market