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Policymakers and the private sector should ensure that organizations effectively protect against unauthorized access to or misuse of consumers’ personally identifiable information

Organizations must effectively inform consumers about how their PII 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.

Federal policymakers should strengthen protections and enforcement against identity theft.

Policies should be in place to avoid unnecessary foreclosures.

Consumers should be protected against e-mail spam. They should easily be able to opt out of receiving e-mails.

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

All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

Higher education institutions should set tuition and fees in a manner that ensures affordability and increases educational opportunities for all.