If the person is poor you may not use what he gives you as security for a covering.

When you make any kind of loan to your neighbor, you may not go into his house to claim what he is offering as security.

You must stand outside and the person to whom you are making the loan will bring out to you what he is offering as security.

You must by all means return to him at sunset the item he gave you as security so that he may sleep in his outer garment and bless you for it; it will be considered a just deed by the Lord your God.