A borrower owns a home worth $300,000 and owes $80,000 on her mortgage. A lender offers her a $200,000 home equity loan at a high interest rate, using aggressive sales tactics, knowing her fixed income makes repayment unlikely. The lender's primary motivation appears to be eventual foreclosure and acquisition of the property. This scenario most directly illustrates:

Balloon payment abuse, because the lender expects non-payment Equity stripping, because the lender is exploiting the borrower's home equity with the expectation of foreclosure Yield spread premium abuse, because the rate is above market Loan flipping, because the lender is creating unnecessary debt