Which of the following indicates potential predatory lending practices?

The correct answer highlights that all the listed options can be indicators of potential predatory lending practices.

High-pressure sales tactics often indicate that a lender is trying to rush the borrower into a decision without allowing them the time and space to fully understand the loan and its implications. This can lead to borrowers agreeing to unfavorable terms out of fear of missing out on the opportunity or feeling overwhelmed.

Ambiguous loan terms can mean that the borrower does not fully comprehend the details or obligations of the loan. When terms are unclear or hidden in complicated language, it can lead to borrowers making decisions based on incomplete information, which is a hallmark of predatory lending.

Excessive fees and charges are another red flag. While all loans may incur fees, those that are disproportionately high compared to industry standards can indicate that the lender is not acting in the best interests of the borrower. These excessive costs can lead to a cycle of debt that borrowers struggle to escape.

Together, these characteristics form a comprehensive picture of predatory lending, making "all of the above" the best choice. Recognizing any one of these signs is crucial for consumers to protect themselves from unfair lending practices.