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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.

Proceeds from reverse mortgages should not affect homeowners’ eligibility for public benefit programs.

Federal legislation should provide a minimum level of consumer protections.

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

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