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Providers of credit- and debt-related services should be licensed in each state in which they operate.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.
Bankruptcy law should increase consumer protections. It should also ensure access, especially for people with low and moderate incomes.
Consumers should receive accurate, timely, and easily understood disclosures of risks and costs.
Investor-protection laws should be strengthened and adequately enforced. The Securities and Exchange Commission and state regulators should be adequately funded.
Regulators should increase transparency, accountability, and independence. Regulations should promote consumer protections.
Policymakers should promote transparency in the investment industry. Investment options should be explained and disclosed clearly and understandably.
Registration as a financial professional should not be limited by the type of investment advice or nature of the advising entity.
States should:
Individuals should have adequate redress, including access to the courts and class actions.