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Policymakers should ensure that telemarketing practices incorporate consumer protections. Telemarketers should:
All telemarketing businesses and their agents that operate in a state should be required to be registered there.
The Federal Trade Commission should strengthen the Telemarketing Sales Rule.
Consumers should be protected against spam e-mail. Policymakers should prohibit misrepresentation of the sender, subject, or content of an e-mail.
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
Providers of credit- and debt-related services should be licensed in each state in which they operate.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Bankruptcy law should increase consumer protections. It should also ensure access, especially for people with low and moderate incomes.
Consumers should receive accurate, timely, and easily understood disclosures of risks and costs.