What is the purpose of a lien when you get a secured loan?

A$.$ To make sure that bank credit card companies, such as Visa and MasterCard get paid.

B$.$ To let lenders take back property they financed if you don't repay your loan.

C$.$ To make sure that borrowers are treated fairly in case they are sued at a courthouse.

D$.$ To guarantee that borrowers know the annual percentage rate of interest on a loan.