Policymakers should establish reasonable interest rate ceilings for all lenders.
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 preserve the existing stock and expand the availability of affordable, accessible, safe housing, particularly for those with the most severe cost burdens
Policymakers should increase the availability of subsidized housing in mixed-use, walkable communities.
Policymakers should increase the availability of subsidized housing with services.
Policymakers should mitigate the effects of foreclosures on renters.
Policymakers should mitigate the negative impacts of foreclosures on neighborhoods. Strategies should consider the needs of older adults.
State and local policymakers should encourage the construction of more housing units to ensure that people of all incomes and ability levels can afford to live in a communit