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All levels of government should protect consumers against unfair debt collection practices.

Platform lenders should protect consumers. They should:

Providers of credit- and debt-related services should be licensed in each state in which they operate.

Policymakers should:

Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.

Financial capability initiatives should increase the ability of all people to make informed decisions about the use and management of money.

Bankruptcy law should increase consumer protections.

Policymakers should create and rigorously enforce consumer protections in mortgage lending.

Policymakers should issue strong consumer protections against abusive loan servicing practices.

Policies should be in place to avoid unnecessary foreclosures.