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Two federal programs help states provide a broad range of social services important to older adults.

Nearly one in four older adults lives in a rural area. Rural residents are at risk of becoming isolated without adequate transportation opportunities.

All people, regardless of their ability level, should have access to convenient and safe transportation options. Mobility is an essential component of quality of life.

Laws and regulations should strengthen and enhance consumer protection. Policymakers should enhance protections against unfair, deceptive, or abusive practices.

Federal legislation should provide a minimum level of consumer protections.

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

Congress should ensure that the Consumer Financial Protection Bureau (CFPB) is a strong and independent consumer protection regulator.

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.