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Public and private employers should provide more flexible work options.

Public and private employers should offer phased-retirement programs and retiree reemployment programs that encourage employees to stay in the workforce beyond the time they

Policies should be in place to avoid unnecessary foreclosures.

All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

Individuals who work for broker-dealers and sell investment products should be required to disclose relevant information and conflicts of interest, regardless of the type of license they hold.

Policymakers should protect the insurability of volunteer drivers who otherwise maintain a consistent risk profile.

Policymakers should conduct robust oversight and enforcement related to scams and fraud.

Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.

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.