<prompt> Translate the following text to EnglishSerikali ya Marekani imeweka orodha ya makampuni 188 ya mikopo ya hali ya chini ambayo huongeza upatikanaji wa mikopo ya nyumba, lakini kwa bei ambayo kwa kawaida inajumuisha viwango vya juu vya riba na ada, na mahitaji mengine ya gharama kubwa.  <response>: The federal government now tracks 188 companies specializing in subprime loans that broaden access to home mortgages, but at a price that typically includes higher interest rates and fees, and other costly requirements. 