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Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.
Congress should ensure that the CFPB is a strong and independent consumer protection regulator. This includes maintaining CFPB’s existing independent funding.
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.&
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Bankruptcy law should increase consumer protections. It should also ensure access, especially for people with low and moderate incomes.