Early in my career, I worked at a shop that serviced credit cards for bottom of the barrel subprime customers. They got slapped by OCC (Office of the Comptroll

Early in my career, I worked at a shop that serviced credit cards for bottom of the barrel subprime customers. They got slapped by OCC (Office of the Comptroller of the Currency) for offering a card with a $300 limit, that upon issuance, already had $300 in fees billed to it (offering a credit product with no usable credit, or something like that), and settled with them by lowering the fees to $250, and paying a million dollar "fine" — which, IIRC, they were able to both write off, and "earn back" with "good behavior". I don't think that's exhaustive of "predatory lending", but it's damned well exemplary. And the "punishment" was, too.