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State and local governments should require sharing economy companies to ensure that providers have appropriate and adequate insurance coverage to protect both providers and consum

Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.

Policymakers should protect consumers against unfair, deceptive, or abusive practices.

Policymakers and the private sector should ensure that products, services, and emerging technologies are created using universal design principles.

Policymakers and the private sector should ensure that the benefits of the sharing economy extend to older adults and traditionally underserved market populations.

Individual homeowners, particularly older homeowners, should be able to generate income by renting out their properties on a short-term basis.

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.