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Policymakers and financial institutions should protect consumers with diminished capacity and others who are at risk of financial exploitation.

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

Financial institutions should be required to offer consumer protections related to fees and disclosures.

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

Consumer protections should be added to government benefits payments, including those made through direct deposit and prepaid card.

Bank regulators should ensure that all banks fulfill their obligations under the Community Reinvestment Act (CRA).

Policymakers should create a maximum floating interest rate to protect consumers against cost shifts on credit products.

Disclosures should be required to be clear, accurate, and informative so that consumers can make more meaningful card purchase and payment decisions.

Consumers should receive the same federal protections for fraudulent transactions for credit cards, debit cards, and registered prepaid cards.

Policymakers should provide additional protections for prepaid card users, including prohibiting overdraft or shortage fees.