Which of the following represents the concept of usury?

The concept of usury specifically refers to the practice of charging excessively high interest rates on loans, which is often restricted or regulated by laws in many jurisdictions. Therefore, the option that represents usury is the one that mentions limits on the amount of interest charged on loans, as these limits are established to prevent lenders from exploiting borrowers with exorbitant rates that can lead to financial hardship.

Understanding usury is critical for maintaining ethical lending practices and protecting borrowers from predatory lending. Laws governing usury help ensure that interest rates remain reasonable and transparent, fostering a more equitable financial environment.