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Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees. They should also ensure the retirement security needs of future retirees. 

States should establish state-facilitated savings arrangements that will increase employee participation in retirement plans.

Policymakers should encourage measures to increase individuals’ ability to save for retirement.

Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.

Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options.

State and local policymakers should encourage innovation in housing construction.

Policymakers should put in place zoning and incentives to promote the establishment of affordable manufactured home communities. 

Policymakers should improve financing options for manufactured housing.

Policymakers should ensure consumer protections for all manufactured homeowners. 

If state and local governments end rent controls, they should provide a transition period during which rent increases would be limited.