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All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

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

Policies should be in place to avoid unnecessary foreclosures.

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.