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Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.
Policymakers should establish reasonable interest rate ceilings for all lenders. These rates should correspond to prevailing Treasury Bill rates.
Regulators should eliminate unfair, deceptive, or abusive practices in the AFS industry.
Policymakers should limit refinancing of consumer loans. They should eliminate rollovers, including taking a new loan out shortly after paying off a prior loan.
Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.
All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.
Policymakers at all levels of government should expand access to homeownership opportunities to help families build wealth and lock in affordable housing payments over the long term.