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State and local governments should expand and strengthen consumer protections, as well as consumer outreach and education programs.

Higher education institutions should set tuition and fees in a manner that ensures affordability and increases educational opportunities for all, including by establishing innovat

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.

State and local governments should require sharing economy companies to ensure that providers have appropriate and adequate insurance coverage to protect b

Individual homeowners, particularly older homeowners, should be able to generate income by renting out their properties on a short-term basis.

Policymakers should adopt minimum service standards and consumer protections to ensure fair terms and conditions.

Policymakers should ensure network reliability and resiliency for utility and telecommunications services.

Policymakers should establish a definition of “universal service” for the energy industry that is similar to the one in the Telecommunications Act of 1996.

Regulators and lawmakers should ensure that consumers with low incomes can afford their utilities. This includes telecommunications, energy, and water.