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Policies should be in place to avoid unnecessary foreclosures. 

Policymakers and the private sector should enact meaningful rules and standards to provide government oversight and consumer protection against nuisance telemarketing calls and telemarketing fraud.

Consumers should be protected against spam e-mail. Policymakers should prohibit misrepresentation of the sender, subject, or content of an e-mail.

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.