It’s way over used, and it is used as an excuse and an attack method, no doubt. That said, predatory lending is a reality.
I can cite several examples, if need be.
Please do! But in your own self defense, be sure to eliminate those banks who had an ACORN thug standing next to them with that funny pencil looking thing pointing at them in their coat pocket (the new bank robbers don't bother with notes any more, they're 'NO-DOC')!