If I had the power to change things, this is what I would do:
1. Arbitration takes away our 7th amendment rights to access the courts for low to middle income persons. Arbitration should be optional, not mandatory, and only used when both parties agree. Encourage the use of small claims court system over arbitration.
2. Lawyers should not be able to take court cases on contingency. They should be required to take payment up-front. This will reduce the number of frivolous lawsuits filed in the court system.
3. We need to strengthen consumer protection agencies in this country. The Consumer Protection Financial Bureau is a good start, but we have a lot of toothless agencies which should either be reformed or replaced by agencies having the power to sanction businesses.