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Disclosures should be required to be clear, accurate, and informative so that consumers can make more meaningful card purchase and payment decisions.

Policymakers should provide additional protections for prepaid card users, including prohibiting overdraft or shortage fees.

Consumers should have access to credit on fair and reasonable terms.

Policymakers should establish reasonable interest rate ceilings for all lenders.

Regulators should eliminate unfair, deceptive, or abusive practices in the alternative financial services industry.

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.

Platform lenders should protect consumers. They should: