The commission called for eliminating tax benefits for borrowing that reduces home equity.
The group also advocated an expansion of the myRA starter IRAs.
To broaden the scope of myRAs, the commission wants Congress to allow for both automatic enrollment and employer contributions in the program.
Other enhancements being advocated are to let employers choose to automatically enroll employees in myRAs with default contribution rates no lower than 2 percent and no higher than 6 percent of pay.
Automatic escalation would be allowed up to 8 percent of pay. Employers could also make either a matching or non-elective contribution of up to 3 percent, which would count toward the annual contribution limit.
In another recommendation, the commission said some retirement savings should be exempted from asset tests to qualify individuals for certain federal and state assistance programs.