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Public retirement systems should establish a maximum vesting period of five years for DB

States and localities should move toward full funding of their retirement systems.

Enforcement of civil and criminal laws should avoid penalizing people with escalating fines, loss of rights, or criminal penalties when the person subject to enforcement cannot sa

The federal government should broadly interpret and vigorously enforce the ADA

State and local governments should expand and strengthen consumer protections, as well as consumer outreach and education programs.

Policymakers and financial institutions should protect consumers with diminished capacity and others who are at risk of financial exploitation.

Regulators should provide effective oversight of the financial industry and enhance consumer protection.

Laws and regulations should strengthen and enhance consumer protection.

Policymakers should protect consumers against unfair, deceptive, or abusive practices. They should also protect against anti-competitive practices.

Disclosures must be clear, accurate, and informative so that consumers can make more meaningful