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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.

States should coordinate LTSS programs, policies, and budgets. This can be done in one state agency or across multiple agencies.

States should develop a comprehensive uniform assessment instrument to determine individual needs and develop a service plan. It should be used in all state LTSS programs.