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Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contributions to defined contribution or hybrid plans.
The federal government should require state CSBG and SSBG officials to consult with state and local agencies and organizations representing older people and other groups served by the programs.
Social Security should cover all workers, including all newly hired state and local government workers.
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.
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.
Companies should disclose age data on their workforce and for new hires.
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.