Predatory lending describes:

A) a staggering increase in monthly payments leading to default.
B) monthly payments that are lower than monthly interest charges.
C) commission-driven brokers selling loans to people they know can't afford them.
D) loans extended to borrowers without proof of incomes.

Predatory lending refers to the practice of commission-driven brokers or lenders selling loans to people who are unable to afford them, often with hidden fees and high interest rates. The ultimate goal of predatory lenders is to take advantage of borrowers and cause them to default on their loans, allowing the lender to profit from the sale of the assets. This practice often targets vulnerable populations such as minorities, the elderly, and those with low incomes.