1·"Usury" means all lending money at interest, not only, as now, lending at an exorbitant rate.
“高利贷”是指一切有利息的贷款，而不象现在那样仅仅是指以过高的利率贷款。
2·These companies say that lower rate caps would discourage lending to anyone but the most reliable borrowers, driving the rest towards loan sharks who charge truly exorbitant interest rates.
那些公司说道过低的上限将迫使资金只出借给那些最可靠的借款者。而将剩下的则拱手让给了那些高利贷者。