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Credit reports and scores should be used as an underwriting tool for consumer loans. They should not be used for other purposes.

Higher education institutions should set tuition and fees to ensure affordability and expand educational opportunities for all.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA. 

Federal student loan providers should defer payments automatically without penalty or interest during declared emergencies.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.

Policies should be in place to avoid unnecessary foreclosures. 

Federal and state governments should encourage coverage and payment of telehealth services for eligible beneficiaries to improve access and the quality of care.

Payment for telehealth services should be sufficient to incentivize telehealth use by providers and raise value for patients. 

Consumers have a right to accurate, secure, and confidential health and health-related information. 

Organizations should continue to be prohibited from sharing or selling personally identifiable protected health data without consumer consent.