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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.

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

States and localities should carefully evaluate the effectiveness of the incentives they offer to attract or retain businesses. 

When considering bond financing, state and local policymakers should: 

Policymakers should take steps to prevent unnecessary evictions. This includes: 

Eviction records should be sealed unless and until an eviction case is resolved in favor of the proprietor.

Policymakers at all levels of government should prohibit unfair, deceptive, or abusive acts and practices in the housing market (see also