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Banks are granted charters to help meet the needs and convenience of the communities where they are located.
Access to fair and responsible credit is essential to the well-being of all consumers.
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
Providers of credit- and debt-related services should be licensed in each state in which they operate.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Bankruptcy law should increase consumer protections. It should also ensure access, especially for people with low and moderate incomes.
Consumers should receive accurate, timely, and easily understood disclosures of risks and costs.