A major purpose of usury laws is to make more funds available to low-income borrowers. economic analysis suggests that usury laws:

I had to look for the options and here is my answer:

When we say usury law, this is the law that regulates the amount of interest that can be levied on loans. This is to assure that there would be more funds available to other borrowers. Based on the economic analysis, it proposes that usury laws also allocate funds to those high-income borrowers.