What makes the use of black box decision models 'predatory behavior'? I can see that, if you're going to do something predatory, you should probably hide stuff

What makes the use of black box decision models 'predatory behavior'? I can see that, if you're going to do something predatory, you should probably hide stuff. But is an unexplained model inherently predatory? (I'm not expressing an opinion either way about whether unexplainable models are good for lenders' profits.)