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.
Bank regulators should ensure that all banks fulfill their obligations under the Community Reinvestment Act (CRA).
Consumers should have access to credit on fair and reasonable terms.
The Consumer Financial Protection Bureau (CFPB) should fully enforce federal nondiscrimination laws intended to decrease age and gender discrimination.
Regulators should provide for consumer protections in credit reporting. This includes protections against erroneous information in credit reports.
Policymakers should require providers of credit- and debt-related services to provide written contracts to consumers.