For thou hast taken a pledge from thy brother for nought; i.e. thou hast lent to thy brother on pledge, without reasonable cause, when thou weft rich enough to need no security (comp. Nehemiah 5:2-11).
And stripped the naked of their clothing. When thy brother, on borrowing from thee, pledged his raiment, thou didst retain it, and so didst leave him to shiver all night without covering (see Exodus 22:26, Exodus 22:27).
We may, perhaps, gather from this that the Mosaic Law on the subject was founded on an anterior custom widely prevalent in SouthWestern Asia.