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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.

Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All levels of government should protect consumers against unfair debt collection practices.

Policymakers should establish requirements or provide incentives for universal design features to be incorporated into homes.

Policymakers should ensure that TNCs:

Policymakers and the private sector should implement Universal Mobility as a Service to expand access to transportation for everyone in the community.

Governments should avoid enacting laws that are inconsistent with U.S. Supreme Court precedent on takings.

A variety of criteria should be used when evaluating proposals to stimulate the economy: 

Relief packages for people facing hardships due to economic downturns should be temporary and well-targeted. Preference should be given to measures that also would stimulate economic activity.