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Policymakers should establish reasonable interest rate ceilings for all lenders.

Regulators should eliminate unfair, deceptive, or abusive practices in the alternative financial services industry.

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.

Congress should mandate the use of the Supplemental Poverty Meas

Public health officials and policymakers should recognize social isolation as a significant public health issue and social determinant of health.

Policymakers and the private sector should develop a standardized screening tool to identify individuals experiencing social isolation.

During times of crisis, state and local governments and the private sector should use evidence-based tools to identify, monitor, and address social isolation among older adults.