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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.

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.

The Consumer Financial Protection Bureau should fully enforce federal nondiscrimination laws intended to decrease age and gender discrimination.

Platform lenders should protect consumers. They should:

Policymakers should:

Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.

Financial capability initiatives should increase the ability of all people to make informed decisions about the use and management of money.

Bankruptcy law should increase consumer protections.

Policymakers should create and rigorously enforce consumer protections in mortgage lending.