All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.
Consumers should have access to credit on fair and reasonable terms.
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.
Devote adequate resources—the nation should devote sufficient resources to ensure access to benefits and adequate benefit levels for all who qu
A variety of government policies and employer practices safeguard the rights of workers to fair treatment, safety in the workplace, and a measure of financial security.
All levels of government have developed standards and guidance to ensure fair employment practices. They address wages, working conditions, and other aspects of work.
Policymakers should explore new, more consumer-centered systems for providing low-income assistance.