What is the fine-grained topic of the following text: "Licensed payday loan and car title loan businesses lending money at high rates of interest on the security of a post dated check or a car, are often described as loan sharks by their critics due to high interest rates that trap debtors, stopping short of illiegal lending and violent collection practices." Only return the topic.
High Interest Rates and Practices of Payday Loan and Car Title Loan Businesses