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Any changes to the determination and appeals process should ensure the following: 

Employers should be required to automatically enroll employees in their retirement plans.

The laws governing state and local retirement funds should be amended where necessary to provide surviving and divorced spouses of public retirees with at least the same protections that the Employ

Social Security should cover all workers, including all newly hired state and local government workers.

Policymakers should enact and update public financing systems for elections. This includes increasing matching funds, particularly for small donations.

Policymakers should establish and enforce uniform standards to safeguard the integrity of the electoral process.

Policymakers should encourage and promote maximum participation in the electoral process.

Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers. 

Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.

All depository institutions should be required to provide basic-banking services affordable to customers with low incomes. This includes low-cost basic checking or savings accounts.