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Enforcement of civil and criminal laws should avoid penalizing people with escalating fines, loss of rights, or criminal penalties when the person subject to enforcement cannot sa

Legal services programs should be fully funded.

The federal government should broadly interpret and vigorously enforce the ADA

The federal government should encourage and expedite funding for priority research, demonstration projects, and referral programs for the

Laws and regulations should strengthen and enhance consumer protection. Policymakers should enhance protections against unfair, deceptive, or abusive practices.

Federal legislation should provide a minimum level of consumer protections.

Regulators should provide effective oversight of the financial industry and enhance consumer protection.

Congress should ensure that the Consumer Financial Protection Bureau

Policymakers and financial institutions should protect consumers with diminished capacity and others who are at risk of financial exploitation.

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