What is usury? Is it an ethical act?

By definition, usury happens when a lender lends money to a borrower at an unreasonably high-interest rate. It first became common in England during the King Henry VIII period. However, this type of lending money is considered misdeed and forbidden in many religions all over the world, specifically, three Abrahamic faiths, including Judaism, Christianity, and Islam. Nowadays, usury laws help protect investors from lenders of this kind, called predatory lenders.