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Legislators should enact and strengthen laws against hate crimes. These laws should be vigorously enforced.

Consumer protection and antidiscrimination laws that apply in the context of human decisions should be adapted as necessary to ensure they effectively apply to algorithmic decision tools (see also

Laws and regulations should strengthen and enhance consumer protection. Policymakers should enhance protections against unfair, deceptive, or abusive practices.

Federal legislation should provide a minimum level of consumer protections.

Regulators should provide effective oversight of the financial industry and enhance consumer protection.

Congress should ensure that the Consumer Financial Protection Bureau (CFPB) is a strong and independent consumer protection regulator.

Policymakers and financial institutions should protect consumers with diminished capacity and others who are at risk of financial exploitation.

All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

Financial institutions should be required to offer consumer protections related to fees and disclosures.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.