Although the U.S. economy overall continues its expansion following the Great Recession and associated financial crisis, the recovery can look very different from state to state. The lion’s share of economic gains are not only concentrated at the top of the income and wealth distribution, but also in a small share of regions. While some parts of the country have surged ahead, millions of Americans in urban and rural communities are still waiting for their wages to start rising again and struggling to make ends meet.

The Senate will soon take up consideration of the Economic Growth, Regulatory Relief, and Consumer Protection Act (S.2155), which leaves out key consumer reforms and would weaken important protections that ensure Americans are treated fairly in financial markets. Here are 10 ways consumers are left behind:

American workers are facing a crisis: the inability to retire with dignity after a life of hard work. After years of supporting families and contributing to society, American workers are confronting a nearly empty retirement nest egg. Half of all American families near retirement have $12,000 or less in formal retirement savings.1 Not only do far too many workers earn too little to adequately save for retirement, but many more also lack access to good retirement saving plans. Many other factors, including the 2007 financial crisis and slow wage growth, have exacerbated the problem.2

The Trump administration wants better infrastructure, but doesn’t want to pay for it. Instead, the administration’s long-awaited plan is expected to shift responsibility for infrastructure onto the private sector and cash-strapped state and local governments.