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Travel should include consumer protections, including transparent pricing and access to redress.

Federal legislation should provide a minimum level of consumer protections.

Regulators should provide effective oversight of the financial industry and enhance consumer protection.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.

Consumers should have access to credit on fair and reasonable terms.

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.

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