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Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contr

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

State and local governments should require sharing economy companies to ensure that providers have appropriate and adequate insurance coverage to protect both providers and consum

Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All levels of government should protect consumers against unfair debt collection practices.

Policymakers should create or extend programs that would address reverse mortgage foreclosures.

Proceeds from reverse mortgages should not affect homeowners’ eligibility for public benefit programs.

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.