Albert Barnes Commentary Exodus 22:26-27

"If thou at all take thy neighbor`s garment to pledge, thou shalt restore it unto him before the sun goeth down: for that is his only covering, it is his garment for his skin: wherein shall he sleep? And it shall come to pass, when he crieth unto me, that I will hear; for I am gracious." — Exodus 22:26-27 (ASV)

The law regarding pledges is expanded, (Deuteronomy 24:6), (Deuteronomy 24:10–13).