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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 contributions to defined contribution or hybrid plans.
Social Security should cover all workers, including all newly hired state and local government workers.
Laws and regulations should strengthen and enhance consumer protection. Policymakers should enhance protections against unfair, deceptive, or abusive practices.
Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers.
Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.
Policymakers and financial institutions should protect consumers with diminished capacity and others at risk of financial exploitation.
All depository institutions should be required to provide basic-banking services affordable to customers with low incomes. This includes low-cost basic checking or savings accounts.
Policymakers should promote the creation of mixed-use livable communities.
National, state, and local parks should be age-friendly, accessible, and sufficiently funded. They should be equitably located throughout communities.