,i  #aae? ,,congress  #b;d ,session  ,h4
 ,r4 #dgfd  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,janu>y #aj1 #bjah,mr4
 ,david ,scott ( ,georgia introduc$ !   
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to am5d ! ,consum] ,f9ancial   
,protection ,act ( #bjaj to e/abli% an  
,(fice = ,"u-,bank$ & ,un-,bank$        
,consum]s4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,improv+ ,access to     
,traditional ,bank+ ,act ( #bjah4  #b4  
,(fice = ,"u-,bank$ & ,un-,bank$        
,consum]s ,section #ajac ( ! ,consum]   
,f9ancial ,protection ,act ( #bjaj 7#ab 
,u4,s4,c4 #edic7 is am5d$ by add+ at !  
end ! foll[+3  7i7 ,(fice = ,"u-,bank$ &
 ,un-,bank$ ,consum]s  7#a7 ,e/abli%m5t 
,be=e ! end ( ! #ij-;day p]iod beg9n+ on
 ! date ( ! enactm5t ( ! subsection1 !  
,bureau %all e/abli% an ,(fice =        
,"u-,bank$ & ,un-,bank$ ,consum]s       
7h]e9aft] ref]r$ to z ! ,(fice71 !      
functions ( :i* %all include activities 
design$ to bett] assess ! reasons = !   

lack (1 & help increase ! p>ticipation  
(1 "u-bank$ & un-bank$ consum]s 9 !     
bank+ sy/em1 includ+ ! coord9ation ) o!r
 ,f$]al & ,/ate f9ancial s]vices ag5cies
 on ?is matt] to ensure ! mo/ effici5t &
 effective use ( gov]nm5tal res\rces4   
7#b7 ,duties ,! ,(fice %all-- 7,a7      
conduct rese>* to id5tify any causes &  
*all5ges contribut+ to ! decision (     
individuals :o1 & h\seholds t1 *oose n  
to initiate or ma9ta9 on-go+ & su/a9able
 relation%ips ) depository in/itutions1 
includ+ consult+ ) trade associations   
repres5t+ m9ority depository            
in/itutions1 & organizations repres5t+ !
 int]e/s ( traditionally und]s]v$       
consum]s & communities1 & organizations 
repres5t+ ! int]e/s ( consum]s1         
p>ticul>ly l[- & mod]ate-income         
individuals1 civil rights gr\ps1        
community gr\ps1 & consum] advocates1   
ab\t ?is matt]2  7,b7 id5tify be/       
practices1 develop & implem5t /rategies 
to increase ! p>ticipation ( "u-bank$ & 
un-bank$ consum]s 9 ! bank+ sy/em2 &    

7,c7 submit a report to ,congress1 )9   
two ye>s ( ! e/abli%m5t ( ! ,(fice &    
annually !reaft]1 t id5tifies any       
factors imp$+ ! ability to1 or limit+ ! 
option =1 individuals or h\seholds to h 
access to on-go+ & su/a9able            
relation%ips ) depository in/itutions to
 meet _! f9ancial ne$s1 discusses any   
regulatory1 legal1 or /ructural b>ri]s  
to enhanc+ p>ticipation ( "u-bank$ &    
un-bank$ consum]s ) depository          
in/itutions1 & conta9s regulatory &     
legislative recomm5dations to promote   
bett] p>ticipation = all consum]s ) !   
bank+ sy/em4  4