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

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.

Government workers should continue to have access to defined-benefit plans.

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.