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If you lend money to My people, to the poor among you, do not act toward them as a creditor; exact no interest from them. If you take your neighbor's garment in pledge, you must return it to your neighbor before the sun sets; it is their only clothing, the sole covering for their skin. In what else shall they sleep? Therefore, if they cry out to Me, I will pay heed, for I am compassionate.
[JPS translation. Edited for gender neutrality]

1. Why can't you lend money to another person with interest?
2. How is this text concerned with exploitation of the financially vulnerable?
3. What ruling of money-lending here differ from contemporary guidelines of lending and borrowing - for individuals and for nations?