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All levels of government, the private sector, and individuals should collaborate to develop policies that promote shared decision-making between consumers,

Medicare, Medicaid, and other payers should reimburse providers for the use of a standardized tool, including during “W

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.