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All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

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.

Policies should be in place to avoid unnecessary foreclosures.

Public and private employers should provide more flexible work options.

Public and private employers should offer phased-retirement programs and retiree reemployment programs that encourage employees to stay in the workforce beyond the time they

All depository institutions should be required to provide basic-banking services affordable to customers with low incomes. This includes low-cost basic checking or savings accounts.