What is described as an unreasonably high charge on borrowed money?

The description of an unreasonably high charge on borrowed money aligns with the term "exorbitant interest rate." This phrase specifically refers to interest rates that exceed what is considered fair or reasonable, often to a degree that could be exploitative. Such rates can make borrowing excessively expensive for borrowers, leading to a cycle of debt that may be difficult to escape.

Exorbitant interest rates are often scrutinized under various laws to protect consumers from predatory lending practices, which aim to shield borrowers from legal and financial harm that excessively high charges can impose.

In contrast, the other options are terms related to different legal concepts. A voidable contract can be the result of factors such as misrepresentation or lack of capacity, allowing one party to void the contract but does not specifically address interest rates. Active concealment and fraudulent omission relate to deceptive practices and withholding important information in transactions but do not describe the nature of interest charges directly. Thus, the focus on the nature and implications of exorbitant interest rates distinctly characterizes the correct answer.