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 consumers loans.
Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.
All levels of government should protect consumers against unfair debt collection practices.
Policymakers should create or extend programs that would address reverse mortgage foreclosures.
Proceeds from reverse mortgages should not affect homeowners’ eligibility for public benefit programs.
Federal and state laws should prohibit maximum hiring ages and mandatory retirement ages for all workers. This should include public-safety employees.
Businesses that bid on federal, state, and local contracts should be required to report any complaints and determinations of unlawful and unfair practices.
Governments should avoid enacting laws that are inconsistent with U.S. Supreme Court precedent on takings.
A variety of criteria should be used when evaluating proposals to stimulate the economy: