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Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All levels of government should protect consumers against unfair debt collection practices.

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.

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 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.

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