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The complexity of insurance contracts places the average consumer at a disadvantage in the marketplace. This is especially evident in homeowners and automobile insurance.
Other financial services issues covered in this section of the Policy Book include credit discrimination, scams and fraud, cashless businesses, and financial capability.
Credit discrimination historically has been and continues to be a pervasive problem in the U.S.
Criminals are increasingly targeting older adults for fraud using a variety of financial products and services such as gift cards, electronic payments, wire transfers, and cryptocurrencies.
As fewer customers use cash, some stores have moved away from accepting cash payments. Some stores have said that handling cash is burdensome or unsafe.
Financial capability is the ability to make informed decisions about the use and management of money.
People age 50 and older make 85 percent of their local trips by private vehicle. The vast majority of them hold a driver’s license.
Eviction records should be sealed unless and until an eviction case is resolved in favor of the proprietor.