Make banks sell their loans with the actual percent interest reflecting total payback vs original amount.

There are laws against charging excessive interest, called usury. Somehow, the rates that banks are selling loans for are under this percentage of usury, but the end result is 200% to 600% of the loan to pay it back usually. They should be required to sell up front the actual percentage of interest collected at the end, and not the artificially small number they use now.