this post was submitted on 11 Feb 2026
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Predatory lending in the vast majority of developed economies other than the US:
Adjustable rate home mortgages being issued to financially illeterate people without extremely clear and emphasized risks and disclosures.
Same thing with HELOCs.
Vehicles loans with rates over 15%.
... subprime lending basically just is predatory lending that we don't legally call predatory lending.
Oh and then of course there is the entire system of Private Credit Shadow Banks who issue trillions in loans to all kinds of business entities, who basically aren't required to do anywhere near the level of accounting rigor or transparency that actual banks do.
We just basically don't regulate them.