,,ii  #aae? ,,congress  #a/ ,session    
,s4 #fhb  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #ba1 #bjag,mrs4   
,murray 7= h]self1 ,ms4 ,coll9s1 ,mr4   
,k+1 & ,ms4 ,klobu*>7 introduc$ ! foll[+
 bill2 :i* 0 read twice & ref]r$ to !   
,committee on ,f9ance  ,a ,,bill  ,to   
am5d title #ca1 ,unit$ ,/ates ,code1 to 
require ! ,secret>y ( ! ,treasury to    
provide = ! pur*ase ( pap] ,unit$ ,/ates
 sav+s bonds ) tax refunds4  #a4 ,%ort  
title ,?is ,act may be cit$ z ! ,save   
,access to a ,valuable ,inve/m5t ,ne$$  
to ,g5]ate ,sav+s ,act ( #bjag or !     
,,sav+s ,act4  #b4 ,pur*ase pap] ,unit$ 
,/ates sav+s bonds ) tax refund ,section
 #cajf ( title #ca1 ,unit$ ,/ates ,code1
 is am5d$ by add+ at ! end ! foll[+3    
7d7 ,! ,secret>y %all-- 7#a7 provide an 
option on ! individual return ( tax "u  
subtitle ,a ( ! ,int]nal ,rev5ue ,code (
 #aihf to use a portion or all ( a      
refund ( ov]paym5t ( su* tax to pur*ase 
,unit$ ,/ates sav+s bonds 9 pap] =m = ! 
taxpay] or any individual designat$ by !

 taxpay]2 or  7#b7 provide an option on 
su* return ( tax t-- 7,a7 all[s = !     
gift+ ( ,unit$ ,/ates sav+s bonds to any
 individual designat$ by ! taxpay]2 &   
7,b7 s]ves ! unbank$ 7)9 ! mean+ (      
section #di ( ! ,f$]al ,deposit         
,insurance ,act 7#ab ,u4,s4,c4 #ahcaz77 
& individuals :o lack access to !       
,int]net4  4