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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

Platform lenders should protect consumers. They should:

Providers of credit- and debt The amount of money owed

Policymakers should:

Policymakers should require providers of credit- and debt

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 issue strong consumer protections against abusive loan servicing practices.

Policies should be in place to avoid unnecessary foreclosures.