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Policy
Programs that offer early wage access or pay advance benefits should be regulated as loans subject to state and federal law (see also
Policy
Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.
Policy
All levels of government should protect consumers against unfair debt collection practices.
Policy
Providers of credit- and debt-related services should be licensed in each state in which they operate.
Policy
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Policy
Financial capability initiatives should increase the ability of all people to make informed decisions about the use and management of money.