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Individuals who work for broker-dealers and sell investment products should be required to disclose relevant information and conflicts of interest, regardless of the type of license they hold.
Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.
Policymakers should conduct robust oversight and enforcement related to scams and fraud.
Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.
Financial institutions should offer account features and services that empower financial caregivers while protecting older adults who are under their care. These include:
Policymakers should establish reasonable interest rate ceilings for all lenders. These rates should correspond to prevailing Treasury Bill rates.
Credit reports and scores should be used as an underwriting tool for consumer loans. They should not be used for other purposes.
Regulators should eliminate unfair, deceptive, or abusive practices in the AFS industry.