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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.
New types of unregulated investment products that are available to the public, such as cryptocurrency, should be federally regulated to ensure they are structured and marketed appropriately so inve
Investment watchdog agencies should be adequately funded. Their employees should be knowledgeable, mission-driven, and act with integrity. They should not have conflicts of interest.
Rules and regulations should favor effective transparency and disclosure requirements.