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Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA. 

Policymakers at all levels of government should expand access to homeownership opportunities to help families build wealth and lock in affordable housing payments over the long term.

Policymakers should support the creation of permanent affordable homeownership options for people with low and moderate incomes.

Reverse mortgage proceeds should not affect homeowners’ eligibility for public benefit programs.

Servicers should be required to provide loss mitigation options to HECM borrowers.

Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.

Federal, state, and local governments should maintain substantial penalties for violations of campaign finance laws.

Policymakers should expand disclosure requirements for all funds spent on elections or ballot initiatives.

Policymakers should protect against deceptive or misleading political fundraising practices.