Protection from predatory practices and products:

    Support a strong and effective Consumer Finance Protection Bureau. Ensure consumers who have been impacted by predatory lending are not additionally penalized by reductions in credit ratings and are not adversely affected in their credit reports and scores. Support and enforce policies that encourage greater transparency regarding fees. Establish an ability to repay standard and minimum loan terms. Support the creation of a new and more transparent system to evaluate credit risk that integrates alternative risk profiles such as rental, utility, and child care payments that prove a borrower’s credit worthiness.