All depository institutions should be required to provide an adequate level of banking services to individuals, including customers with low incomes.
Financial institutions should be required to put in place consumer protections on fees and disclosures.
Consumer protections should be added to government benefits payments, including those made by direct deposit and prepaid card.
Consumers should have access to credit on fair and reasonable terms.
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.
Federal bankruptcy law should increase consumer protections. It should also and ensure access, especially for those with low and moderate incomes.
Policymakers should create and rigorously enforce consumer protections in mortgage lending.