Defined contribution plan account holders should have to obtain written spousal consent to take payment from the account in a form other than a joint-and-survivor annuity.
A progressive income tax is the preferred method of raising revenue at the federal and state levels. Other sources, such as a consumption tax, may be needed.
Goods sold over the internet and through catalogs should be subject to the same sales tax treatment as goods sold by local brick-and-mortar retailers.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Financial capability initiatives should increase the ability of all people to make informed decisions about the use and management of money.
Bankruptcy law should increase consumer protections.
Policymakers should create and rigorously enforce consumer protections in mortgage lending.
Policymakers should issue strong consumer protections against abusive loan servicing practices.
Policies should be in place to avoid unnecessary foreclosures.