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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.

Policymakers should establish requirements or provide incentives for universal design features to be incorporated into homes.

Policymakers should ensure that TNCs:

Policymakers and the private sector should implement Universal Mobility as a Service to expand access to transportation for everyone in the community.

Congress should mandate the use of the Supplemental Poverty Meas

Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contributions to defined contribution or hybrid plans. 

States and localities should move toward full funding of their retirement systems.