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Policymakers should create a maximum floating interest rate to protect consumers against cost shifts on credit products.

Disclosures should be required to be clear, accurate, and informative so that consumers can make more meaningful card purchase and payment decisions.

Consumers should receive the same federal protections for fraudulent transactions for credit cards, debit cards, and registered prepaid cards.

Policymakers should provide additional protections for prepaid card users, including prohibiting overdraft or shortage fees.

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.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.

Federal policymakers should expand the circumstances in which student debt is dischargeable in bankruptcy (see al