²⁵ “‘If you lend money to my people, to the needy with you, you will not be to him as a creditor; you will not charge him interest.^{[a] 26} If indeed you require the cloak of your neighbor as a pledge, you will return it to him at sundown, ²⁷ because it is his only garment; it is his cloak for his skin. In what will he sleep? And^[b] when he cries out to me, I will hear, because I am gracious.