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Defined-contribution plan account holders should have to obtain written spousal consent to take payment from the account in a form other than a joint-and-survivor annuity.

Policymakers should preserve the existing stock and expand the availability of affordable, accessible, safe housing, particularly for those with the most severe cost burdens

Policymakers should increase the availability of subsidized housing with services.

Policymakers should mitigate the effects of foreclosures on renters.

Policymakers should mitigate the negative impacts of foreclosures on neighborhoods. Strategies should consider the needs of older adults.

State and local policymakers should encourage the construction of more housing units to ensure that people of all incomes and ability levels can afford to live in a communit

State and local policymakers should encourage innovation in housing construction.

States should help residents of manufactured home communities purchase their community land.

Policymakers should improve financing options for manufactured housing.

Policymakers should ensure consumer protections for all manufactured homeowners.