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Policymakers should streamline and coordinate application procedures among different public-benefit programs.
Social Security should cover all workers, including all newly hired state and local government workers.
Laws and regulations should strengthen and enhance consumer protection. Policymakers should enhance protections against unfair, deceptive, or abusive practices.
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.
Policymakers and financial institutions should protect consumers with diminished capacity and others at risk of financial exploitation.
All depository institutions should be required to provide basic-banking services affordable to customers with low incomes. This includes low-cost basic checking or savings accounts.
Policymakers and the private sector should ensure that reintegration programs for people released from the criminal-justice system address the employment, housing and health needs of older adults.&