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Policymakers should explore new, more consumer-centered systems for providing low-income assistance.
The federal government should require state CSBG and SSBG officials to consult with state and local agencies and organizations representing older people and other groups served by the programs.
Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers.
Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.
Policymakers should establish reasonable interest rate ceilings for all lenders. These rates should correspond to prevailing Treasury Bill rates.
Regulators should eliminate unfair, deceptive, or abusive practices in the AFS industry.