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Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

Platform lenders should protect consumers. They should:

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

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

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

States should have the ability to provide consumers with greater protections. Federal protections should serve as a minimum standard.

Reforms to government-sponsored enterprises (GSEs) should do the following:

Congress should ensure the continuity of the home equity conversion mortgages

The origination fee for HECM A federally-insured revers

Policymakers should create or extend programs that would address reverse mortgage