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.
Public-benefit programs should ensure that families headed by grandparents and other caregiver relatives receive sufficient support for economic security and well-being.
Any further efforts to address marriage penalties should be focused on two-earner couples and structured to avoid increasing marriage bonuses.
Policymakers should broaden the tax base by limiting tax preferences that do not efficiently achieve important policy goals.
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.