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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.

Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contributions to defined contribution or hybrid plans. 

States and localities should move toward full funding of their retirement systems. 

Governments should avoid enacting laws that are inconsistent with U.S. Supreme Court precedent on takings.

A variety of criteria should be used when evaluating proposals to stimulate the economy: 

Relief packages for people facing hardships due to economic downturns should be temporary and well-targeted. Preference should be given to measures that also would stimulate economic activity. 

The debate over immigration to the U.S.

Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers. 

Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.