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Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.

All depository institutions should be required to provide basic-banking services affordable to customers with low incomes. This includes low-cost basic checking or savings accounts.

Financial institutions should offer account features and services that empower financial caregivers while protecting older adults who are under their care. These include: 

Credit reports and scores should be used as an underwriting tool for consumer loans. They should not be used for other purposes.

Higher education institutions should set tuition and fees to ensure affordability and expand educational opportunities for all.

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

Federal student loan providers should defer payments automatically without penalty or interest during declared emergencies.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.