The usury forbidden in the old testament was ribah.
Ribah was a loan of 100 dinar where I kept a fee for originating the loan.
You still owe 100 dinar, but only ever got a portion.
The lender was taking his profit up front instead of receiving rent on his money. Or in addition to.
If a lender offered ribah, one might be suspicious of their respect for tradition and cultural standards. Find someone else. There's no regulation like self regulation.
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