All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.
Consumers should have access to credit on fair and reasonable terms.
Policymakers should establish reasonable interest rate ceilings for all lenders.
Regulators should eliminate unfair, deceptive, or abusive practices in the alternative financial services 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 consumers loans.
Policymakers should adopt plans that enhance the mobility of older adults and people with disabilities.
Policymakers should require shared mobility service providers to provide local jurisdictions with consumer travel data while protecting user privacy.
Policymakers should use effective, evidence-based assessment models to identify at-risk drivers of all ages.
Policymakers should create communities that provide a range of safe mobility options.