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Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

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

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.

Policymakers should enact and update public financing systems for elections. This includes increasing matching funds, particularly for small donations.

Policymakers should maximize voter registration, including through automatic voter registration systems.

Policymakers should prohibit ID requirements that discourage or prevent citizens from voting.

Employers should be required to automatically enroll employees in their retirement plans.

The laws governing state and local retirement funds should be amended where necessary to provide surviving and divorced spouses of public retirees with at least the same pro