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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. 

Federal policymakers should strengthen protections and enforcement against identity theft.

Policymakers and the private sector should enact meaningful rules and standards to provide government oversight and consumer protection against nuisance telemarketing calls and telemarketing fraud.

Consumers should be protected against spam e-mail. Policymakers should prohibit misrepresentation of the sender, subject, or content of an e-mail.

Companies should disclose age data on their workforce and for new hires.

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.

Financial institutions should offer account features and services that empower financial caregivers while protecting older adults who are under their care. These include: 

Credit reports and scores should be used as an underwriting tool for consumer loans. They should not be used for other purposes.

Higher education institutions should set tuition and fees to ensure affordability and expand educational opportunities for all.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.