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States should ensure consumers have adequate redress in the event of fraud.

Policymakers and the private sector should support the ability of people of all ages, ability levels, and backgrounds to travel.

Travel should be safe, including during declared public health crises. During such times, travel providers should be required to put in place and publicize safety protocols. 

Travel should include consumer protections, including transparent pricing and access to redress.

Federal legislation should provide a minimum level of consumer protections.

Regulators should provide effective oversight of the financial industry and enhance consumer protection.

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.

Higher education institutions should set tuition and fees in a manner that ensures affordability and increases educational opportunities for all.

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