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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 establish rights and protections for customers who face possible termination of service.  

Policymakers should prohibit fees for the disconnection or reconnection of customers. If fees are allowed, they should be based on actual utility costs. 

Policymakers should ensure strong consumer protections against unfair, deceptive, or abusive acts and practices related to Property Assessed Clean Energy (PACE) loans. 

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