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Policies should be in place to avoid unnecessary foreclosures.

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.

Consumers should control the extent to which their personal information may be collected, analyzed, shared, scraped, and sold.

Privacy protections should be embedded into products and services.

Organizations (including private companies, nonprofits, and government entities) should clearly communicate: 

Policymakers should protect against the misuse of data, including: 

Policymakers and the private sector should ensure that organizations effectively protect against unauthorized access to or misuse of personal information.

Organizations must effectively inform consumers about how their personal information is secured and what actions will be taken in the event of a security breach. 

Companies, government agencies, and individuals should protect the unauthorized use, display, collection, and sale of SSNs. Criminal and civil penalties for SSN misuse should be increased.