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Organizations must effectively inform consumers about how their personal information is secured and what actions will be taken in the event of a security breach. 

Companies, government agencies, and individuals should protect the unauthorized use, display, collection, and sale of SSNs. Criminal and civil penalties for SSN misuse should be increased. 

Federal policymakers should strengthen protections and enforcement against identity theft.

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.

Consumers should be protected against spam e-mail. Policymakers should prohibit misrepresentation of the sender, subject, or content of an e-mail.

Individuals who work for broker-dealers and sell investment products should be required to disclose relevant information and conflicts of interest, regardless of the type of license they hold.

Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.

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