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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.

Policies should be in place to avoid unnecessary foreclosures.

Consumers have a right to accurate, secure, and confidential health and health-related information.

All levels of government and the private sector should adequately fund and support antifraud and anti-abuse efforts.

National prevention and health-promotion outreach and education campaigns should be developed and implemented by federal, state, and local governments, along with private-sector partners.

Governments should fund efforts to promote evidence-based health-education opportunities.