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Congress should reauthorize the Elder Justice Act (EJA). It should fully fund the EJA and other programs that address elder abuse.

Policymakers should protect and enforce the fundamental right of all people to be free from discrimination. They should enact and enforce civil rights statutes.

Legislators should enact and strengthen laws against hate crimes. These laws should be vigorously enforced.

Consumer protection and antidiscrimination laws that apply in the context of human decisions should be adapted as necessary to ensure they effectively apply to algorithmic decision tools (see also

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.