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All depository institutions should be required to provide basic-banking services affordable to customers with low incomes. This includes low-cost basic checking or savings accounts.
Policymakers and the private sector should ensure that reintegration programs for people released from the criminal-justice system address the employment, housing and health needs of older adults.&
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.