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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.

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.

Policies should be in place to avoid unnecessary foreclosures.

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.

Public and private employers should provide more flexible work options.

Public and private employers should offer phased-retirement programs and retiree reemployment programs that encourage employees to stay in the workforce beyond the time they