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Policymakers should limit refinancing of consumer loans. They should eliminate rollovers, including taking a new loan out shortly after paying off a prior loan.
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.
Congress should reauthorize the Elder Justice Act (EJA). It should fully fund the EJA and other programs that address elder abuse.
Policymakers should protect and enforce the fundamental right of all people to be free from discrimination. They should enact and enforce civil rights statutes.
Legislators should enact and strengthen laws against hate crimes. These laws should be vigorously enforced.