Predatory lending refers to unfair, deceptive, or fraudulent practices by lenders during the loan origination process. This often involves charging excessively high interest rates, hidden fees, or terms that are difficult for borrowers to understand. These practices can lead to a cycle of debt, making it hard for borrowers to repay their loans. Victims of predatory lending often include vulnerable populations, such as low-income individuals or those with poor credit histories. These lenders may target these groups, offering loans that seem attractive but ultimately trap borrowers in financial hardship. Awareness and regulation are essential to combat predatory lending practices.