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Policymakers should create assistance programs to ensure that all households with low incomes can afford adequate water and sewer service. These programs should be fully funded.
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
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.