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Reverse mortgage proceeds should not affect homeowners’ eligibility for public benefit programs.
Federal regulators should ensure that disclosures, sales practices, and advertising of reverse mortgage loans are not misleading or deceptive.
Policymakers should ensure that reverse mortgage servicers are not engaging in unfair, deceptive, or abusive practices.
Servicers should be required to provide loss mitigation options to HECM borrowers.
Congress should reauthorize the Elder Justice Act (EJA). It should fully fund the EJA and other programs that address elder abuse.
Policymakers should devise Silver Alert programs to alert the public to missing older adults with appropriate protections and limitations.
The subject of an alert must:
Policymakers should encourage advance care planning. This should include the creation of advance directives.
States should enact laws that:
Federal policymakers should expand programs to improve guardianship. This should include monitoring programs.
Policymakers should protect and enforce the fundamental right of all people to be free from discrimination. They should enact and enforce civil rights statutes.
Legislators should enact and strengthen laws against hate crimes. These laws should be vigorously enforced.