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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 promote the creation of mixed-use livable communities.

National, state, and local parks should be age-friendly, accessible, and sufficiently funded. They should be equitably located throughout communities.

Policymakers should enact comprehensive planning statutes, regulations, and incentives that create communities that promote the independence and ac

Planning activities and goals should be inclusive and equitable. They should support positive outcomes for all community members.

Policymakers should make land-use and zoning decisions that promote mixed-use communities with affordable and equitable housing and transportation options.