老师这个少了个b选项

问题如下：

EACH of the following is an example or element of predatory lending except for:

选项：

A.

Lender makes unaffordable loans based on borrower assets rather than ability to repay

C.

Borrower misrepresents income or employment in mortgage application

D.

Lender engages in deception to conceal true nature of loan; e.g., deceives borrower into thinking loan is fixed-rate (FRM) when mortgage is actually an adjustable-rate (ARM)

解释：