Ethical Reflection on Predatory Lending

Explore the psychological and ethical dimensions of predatory lending practices through interactive educational content.

Educational Modules

Dark Pattern Analysis

Learn to identify and understand psychological manipulation techniques used in predatory lending.

Understanding APR & True Cost

Interactive calculator showing the real cost of payday loans vs. traditional lending.

Debt Cycle Simulation

Visualize how payday loans can trap borrowers in cycles of debt.

Ethics Assessment

Test your understanding of ethical lending practices and regulatory requirements.

This interactive quiz will test your knowledge of:

  • Dark pattern recognition in lending interfaces
  • APR calculations and true cost analysis
  • Regulatory frameworks and consumer protections
  • Psychological manipulation techniques
  • Ethical alternatives to predatory lending

Research & Academic Resources

Access academic research, regulatory documents, and further reading on predatory lending.

šŸ“š Interactive Learning Modules

šŸ§  Behavioral Psychology

Learn how cognitive biases are exploited in predatory lending

āš–ļø Legal Mechanisms

Understand the legal loopholes that enable predatory practices

šŸ”„ Debt Cycle Mechanics

Explore how the debt trap cycle works and how to escape it

šŸ’ø Experience the Debt Trap

See how rollover cycles work in practice:

Personal Reflection

Reflection Questions

1. What surprised you most about predatory lending practices?

2. How do you think we can better protect vulnerable consumers?

3. What role should technology play in ethical lending?