Punitive lending policy universal in Amtrak? (5)
I believe the answer is:
usury
'punitive lending' is the definition.
'usury' can be an answer for 'lending' (I have seen 'Extortionate lending ' mean 'usury' so perhaps 'lending' could also mean 'usury'). I am not certain of the 'punitive' bit.
I can't explain the remainder of the clue.
Can you help me to learn more?
(Other definitions for usury that I've seen before include "Demanding excessive interest" , "Money-lending at very high rates" , "Lending of money at exorbitant interest" , "Extortionate lending" , "Practice of charging excessive interest" .)