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Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees. They should also ensure the retirement security needs of future retirees. 

States should establish state-facilitated savings arrangements that will increase employee participation in retirement plans.

Policymakers should encourage measures to increase individuals’ ability to save for retirement.

Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.

Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options. This should include through payroll deduction or direct debit. 

States should create a transparent and nonpartisan redistricting process. This process should be led by independent and diverse commissions that include representatives of groups.

Policymakers should mitigate the negative impacts of foreclosures on neighborhoods. Strategies should consider the needs of older adults.

State and local policymakers should encourage the construction of more housing units to ensure that people of all incomes and ability levels can afford to live in a community. 

Policymakers should put in place zoning and incentives to promote the establishment of affordable manufactured home communities. 

Policymakers should improve financing options for manufactured housing.