Redress of grievances


States should ensure consumers have adequate redress in the event of fraud. This includes a private right of action (see also Private Enforcement of Legal Rights). States should also establish a home improvement consumer recovery fund. In addition, states should create protections for home improvement borrowers who claim contractor malfeasance or nonfeasance. This would safeguard consumers from deceptive practices when securing a mortgage or home equity loan to finance the transaction.