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All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

Higher education institutions should set tuition and fees in a manner that ensures affordability and increases educational opportunities for all.

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

During declared emergencies, federal student loan providers should defer payments automatically without penalty or interest.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.

Policies should be in place to avoid unnecessary foreclosures.

Consumers have a right to accurate, secure, and confidential health and health-related information.

All levels of government and the private sector should adequately fund and support antifraud and anti-abuse efforts.

National prevention and health-promotion outreach and education campaigns should be developed and implemented by federal, state, and local governments, along with private-sector partners.