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The proliferation in the availability and use of data has made the need to protect this information against unauthorized access increasingly important.

In 2019, an estimated 14.4 million Americans were victims of identity fraud. Of these, 3.3 million had to pay at least some of the cost of the fraud.

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 u

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.

Federal and state policymakers should increase public investment in higher education to facilitate cost containment.

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.