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Government agencies should collect and report data for groups that are discriminated against, while ensuring consumer choice and control over what data they provide.
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.
Policymakers should ensure that telemarketing practices incorporate consumer protections. Telemarketers should:
All telemarketing businesses and their agents that operate in a state should be required to be registered there.
The Federal Trade Commission should strengthen the Telemarketing Sales Rule.
Consumers should be protected against spam e-mail. Policymakers should prohibit misrepresentation of the sender, subject, or content of an e-mail.
Occupational regulation should provide meaningful consumer health, safety, or financial well-being benefits. Policymakers should streamline licensing requirements where possible.
Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.
Providers of credit- and debt-related services should be licensed in each state in which they operate.