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

Policymakers at all levels of government should expand access to homeownership opportunities to help families build wealth and lock in affordable housing payments over the long term.

Policymakers should support the creation of permanent affordable homeownership options for people with low and moderate incomes.

Reverse mortgage proceeds should not affect homeowners’ eligibility for public benefit programs.

Servicers should be required to provide loss mitigation options to HECM borrowers.

Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.

Policymakers should establish rights and protections for customers who face possible termination of service.  

Policymakers should prohibit fees for the disconnection or reconnection of customers. If fees are allowed, they should be based on actual utility costs. 

Policymakers should ensure strong consumer protections against unfair, deceptive, or abusive acts and practices related to Property Assessed Clean Energy (PACE) loans. 

State policymakers should establish a definition of “universal service” for the energy industry that is similar to the one in the Telecommunications Act of 1996.