Search

Policymakers should enact and update public financing systems for elections. This includes increasing matching funds, particularly for small donations.

Policymakers should establish and enforce uniform standards to safeguard the integrity of the electoral process.

Policymakers should encourage and promote maximum participation in the electoral process.

Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers. 

Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.

Consumers should have access to credit on fair and reasonable terms.

Policymakers should establish reasonable interest rate ceilings for all lenders. These rates should correspond to prevailing Treasury Bill rates.

Regulators should eliminate unfair, deceptive, or abusive practices in the AFS industry. 

Programs that offer early wage access or pay advance benefits should be regulated as loans subject to state and federal law (see also

Policymakers should limit refinancing of consumer loans. They should eliminate rollovers, including taking a new loan out shortly after paying off a prior loan.