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.
Policymakers should enact and strictly enforce antidiscrimination and civil rights laws.
States should coordinate mental health services among all appropriate health, LTSS, and aging-network services.