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Public and private employers should provide more flexible work options.

Public and private employers should offer phased-retirement programs and retiree reemployment programs that encourage employees to stay in the workforce beyond the time they

Federal and state laws should prohibit maximum hiring ages and mandatory retirement ages for all workers. This should include public-safety employees.

Businesses that bid on federal, state, and local contracts should be required to report any complaints and determinations of unlawful and unfair practices.

State and local governments should require sharing economy companies to ensure that providers have appropriate and adequate insurance coverage to protect both providers and consum

Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.

Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All levels of government should protect consumers against unfair debt collection practices.

Policies should be in place to avoid unnecessary foreclosures.

Policymakers should create or extend programs that would address reverse mortgage foreclosures.