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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.

Policymakers should create or extend programs that would address reverse mortgage foreclosures.

Proceeds from reverse mortgages should not affect homeowners’ eligibility for public benefit programs.

Congress should mandate the use of the Supplemental Poverty Meas

Policymakers should explore options for extending the affordability of rental housing units whose subsidies are set to expire. These include: 

Policymakers should help voucher recipients secure appropriate housing. This includes: 

Congress should modify the LIHTC program to enable greater flexibility in the development of housing projects for older adults.