Predatory or abusive mortgage lending refers to a range of practices, including deception, fraud or manipulation, that a mortgage broker or lender may use to make a loan with terms that are disadvantageous to the borrower. Predatory lending occurs primarily in the subprime market (which makes higher-interest loans to consumers with poor credit histories). To curb these practices, states can restrict the terms or provisions of high-cost loans, strengthen regulation and licensing of mortgage lenders and brokers, and require lenders and brokers to ensure that the borrower is able to repay the loan before approving a borrower for credit. 

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