Crossword Genius

You are reportedly holding certain person taking a lot of interest (6)

Ross

I believe the answer is:

usurer

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'person taking a lot of interest' is the definition.
(I've seen this before)

'you are reportedly holding certain' is the wordplay.
'are reportedly' shows a homophone (sound like).
'holding' means one lot of letters go next to another.
'certain' becomes 'surer' (I can't justify this - if you can you should believe this answer much more).
'you' sounds like 'u'.
'u'+'surer'='USURER'

Can you help me to learn more?

(Other definitions for usurer that I've seen before include "Moneylender who charges very high interest" , "Grasping money-lender" , "Unrestrained money lender" , "Shylock, for example" , "loan-shark" .)

I've seen this clue in The Times.
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