Which of the following is NOT a characteristic of predatory lending?

Transparent fee structures are not a characteristic of predatory lending, making this the correct answer. Predatory lending typically involves deceptive practices that may obscure the true costs of borrowing. Borrowers are often faced with excessive fees and hidden charges that can significantly increase the cost of a loan. High-pressure sales tactics are commonly employed to coerce individuals into accepting unfavorable terms, and loan terms are usually structured to benefit the lender at the expense of the borrower. In contrast, a transparent fee structure would provide clear and straightforward information about all costs associated with the loan, which is contrary to the deceptive nature of predatory lending practices. Therefore, identifying transparent fee structures as a trait that is not associated with predatory lending highlights the importance of clarity and honesty in lending practices for consumer protection.