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When considering bond financing, state and local policymakers should: 

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.

Servicers should be required to provide loss mitigation options to HECM borrowers.

Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.

Individuals who work for broker-dealers and sell investment products should be required to disclose relevant information and conflicts of interest, regardless of the type of license they hold.

State and local governments should require sharing economy companies to ensure that providers have appropriate and adequate insurance coverage to protect both providers and consumers (see also

Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.

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

Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.