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All levels of government should protect consumers against unfair debt collection practices.
Providers of credit- and debt-related services should be licensed in each state in which they operate.
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.
Product information and legal and disclosure documents should be clear and accurate.
Policymakers should create and rigorously enforce consumer protections in mortgage lending.
Policymakers should issue strong consumer protections against abusive loan servicing practices.