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Policymakers and the private sector should ensure that consumers and employees have the right to seek redress through the courts for injury or losses.

Options for alternative dispute resolution (ADR) should be available. These include mediation and arbitration.

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

Policies should be in place to avoid unnecessary foreclosures.

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.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.

During declared emergencies, federal student loan providers should defer payments automatically without penalty or interest.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.