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Policymakers and the private sector should support the ability of people of all ages, ability levels, and backgrounds to travel.

All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

Merchants should offer their customers a choice in payment methods to ensure that their products and services are widely available.

Higher education institutions should set tuition and fees in a manner that ensures affordability and increases educational opportunities for all.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.

During declared emergencies, federal student loan providers should defer payments automatically without penalty or interest.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.

Policies should be in place to avoid unnecessary foreclosures.

Individuals who work for broker-dealers and sell investment products should be required to disclose relevant information and conflicts of interest, regardless of