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Policymakers and the private sector should ensure that organizations effectively protect against unauthorized access to or misuse of personal information.

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.

States should require that home improvement contractors be licensed, insured, and bonded.

States should require written home improvement contracts and specify required and prohibited contract provisions. 

States should put in place criminal and civil penalties. 

States should ensure consumers have adequate redress in the event of fraud.

Policymakers and the private sector should support the ability of people of all ages, ability levels, and backgrounds to travel.

Travel should be safe, including during declared public health crises. During such times, travel providers should be required to put in place and publicize safety protocols. 

Travel should include consumer protections, including transparent pricing and access to redress.