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Telecommunications and utility services are essential to health, safety, and economic welfare. These services must be reliable, safe, and affordable.

Credit histories and loan records are tools traditionally used by lenders to decide whether to give consumers credit.

All consumers should receive service that meets their daily needs at a reasonable price. The rates for these services should be fair, reasonable, and affordable.

Rapid changes in technology have made protecting consumer privacy increasingly challenging.

Most states and the District of Columbia have established utility consumer advocate offices.

Social Security benefits are paid through a self-financing system.

Social Security program administration has multiple functions. It processes applications and payments and operates field offices around the country.

Some proposals to address Social Security solvency would adjust the calculation of initial benefits. Others adjust benefit growth over time.

Social Security benefits are calculated as a percentage of lifetime average earnings.

Older women experience higher poverty rates than older men. They also, as a rule, receive lower Social Security benefits.