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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.

Policymakers should establish and enforce uniform standards to safeguard the integrity of the electoral process.

Federal, state, and local governments should maintain substantial penalties for violations of campaign finance laws.

Policymakers should expand disclosure requirements for all funds spent on elections or ballot initiatives.

Policymakers should enact and update public financing systems for elections. This includes increasing matching funds, particularly for small donations.

Policymakers should encourage and promote maximum participation in the electoral process.

Qualified voters should not be excluded from voting because of:

State and local policymakers should: