Usury laws:

A) allocate funds from low-productivity to high-productivity investments.
B) establish a legal ceiling on interest rates.
C) make more funds available to low-income borrowers.
D) create a surplus of loanable funds.

Usury laws establish a legal ceiling on interest rates, preventing lenders from charging excessively high interest rates that could be detrimental to borrowers. This helps to protect borrowers from being exploited and falling into debt traps, but it may also restrict access to credit for high-risk borrowers who are unable to obtain loans at a lower interest rate.