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Policymakers and the private sector should ensure that organizations effectively protect against unauthorized access to or misuse of personal information.

Organizations must effectively inform consumers about how their personal information is secured and what actions will be taken in the event of a security breach. 

Companies, government agencies, and individuals should protect the unauthorized use, display, collection, and sale of SSNs. Criminal and civil penalties for SSN misuse should be increased. 

Federal policymakers should strengthen protections and enforcement against identity theft.

Policymakers should enact consumer protections and should eliminate deceptive practices. Mail solicitations should not appear to come from the government.

States should require that home improvement contractors be licensed, insured, and bonded.

States should require written home improvement contracts and specify required and prohibited contract provisions. 

States should put in place criminal and civil penalties. 

All levels of government should adopt policies ensuring that people who do not speak English or are limited in English proficiency have adequate language a

Millions of people receive access to health insurance coverage through provisions of the Affordable Care Act. However, millions still remain uninsured.