Under the Biden Administration, the Federal Trade Commission, led by Chair Lina Khan, and the Consumer Financial Protection Bureau, led by Chair Rohit Chopra, kickstarted an era of more effective, modern, and robust enforcement and rulemaking that offered better protection to consumers, workers, and independent businesses.

State legislatures can take steps to codify these important policies in state law, ensuring their residents continue to enjoy vital protections regardless of changes in federal policy. At the same time, if these rules are kept in place and withstand court challenges, states will be able to offer additional protection and enforcement.

This memo, by The Consumer Federation of America and the American Economic Liberties Project, details ten policies based on FTC and CFPB actions that state legislatures can adopt: