States should explore new options to guarantee the availability of liability insurance to those who need it.
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.
Platform lenders should protect consumers. They should:
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.
Financial capability initiatives should increase the ability of all people to make informed decisions about the use and management of money.