Sir, you are an idiot, and I say that with all due respect. Nobody owes you a damned thing, so no one offering a loan at any interest rate is taking advantage of a consumer unless the terms are dishonestly presented. Evidently you've never been poor and without recourse to someone in better financial shape, but to someone in that position, a 35% interest rate on a loan too small for any bank to loan is a freakin' gift from Heaven. It can literally mean the difference between keeping your life together and having it destruct into homelessness. It can mean that with a couple months of willing sacrifice, someone doesn't have to tell her child she's too poor to be a cheerleader or a football player. It can mean the difference between showing up for a job interview wearing appropriate business attire or showing up wearing your least stained clothing and best tennis shoes. It can mean the difference between having hot water and trying to spend the winter with your kids showering in cold water until you save enough to buy a new water heater. Even poor people who manage to scrape together a proper emergency fund can be hit with more than they can handle, and frankly, your preferred method of telling them to live with the consequences of their bad decision (which may well be the best automobile they can afford needing tires or repair, or their job moving to China, or their child needing braces) so that no one makes a higher percentage than you prefer is despicable.
And just so you know - since you apparently can't understand it from the very clear language he used - Robert isn't complaining about being regulated. He's complaining about people with your attitude trying to drive him out of business with underhanded pressure on the banks. Pressure they dropped like a hot potato when enough light was shed on their actions.