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Federal and state policymakers should maintain fairness in the Electoral College. They should maximize voter participation and encourage public engagement with candidates and issues.
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
Providers of credit- and debt-related services should be licensed in each state in which they operate.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Bankruptcy law should increase consumer protections. It should also ensure access, especially for people with low and moderate incomes.
Consumers should receive accurate, timely, and easily understood disclosures of risks and costs.
Investor-protection laws should be strengthened and adequately enforced. The Securities and Exchange Commission and state regulators should be adequately funded.
Regulators should increase transparency, accountability, and independence. Regulations should promote consumer protections.