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Organizations must effectively inform consumers about how their personal information is secured and what actions will be taken in the event of a security breach. 

Companies, government agencies, and individuals should protect the unauthorized use, display, collection, and sale of SSNs. Criminal and civil penalties for SSN misuse should be increased. 

Federal policymakers should strengthen protections and enforcement against identity theft.

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.

Policymakers and the private sector should facilitate the creation of housing options and neighborhoods that encourage and effectively accommodate multiple generations living together.