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
Federal legislation should provide a minimum level of consumer protections.
Regulators should provide effective oversight of the financial industry and enhance consumer protection.
All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.
Consumers should have access to credit on fair and reasonable terms.
Policymakers should establish reasonable interest rate ceilings for all lenders. These rates should co