,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #abhe  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,febru>y #ad1         
#bjai,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$1 ,un-,bank$1 &      
,und]s]v$ ,consum]s1 & = o!r purposes4  
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,improv+ ,access to ,traditional      
,bank+ ,act ( #bjai4  #b4 ,(fice =      
,"u-,bank$1 ,un-,bank$1 & ,und]s]v$     
,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$1 
,un-,bank$1 & ,und]s]v$ ,consum]s  7#a7 
,e/abli%m5t ,be=e ! end ( ! #ij-;day    
p]iod beg9n+ on ! date ( ! enactm5t ( ! 
subsection1 ! ,bureau %all--  7,a7      
e/abli% an ,(fice = ,"u-,bank$1         
,un-,bank$1 & ,und]s]v$ ,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$1 un-bank$1 & und]s]v$       
consum]s 9 ! bank+ sy/em2 &  7,b7 lead  
coord9ation betwe5 ! appropriate ,f$]al 
bank+ ag5cies1 ! ,national ,cr$it ,union
 ,adm9i/ration1 & ,/ate bank+ sup]visors
 on ?is matt] to ensure ! mo/ effici5t &
 effective use ( gov]nm5tal res\rces4   
7#b7 ,duties  7,a7 ,rese>* ,! ,(fice    
%all conduct rese>* to id5tify any      
causes & *all5ges contribut+ to !       
decision ( individuals :o1 & h\seholds  
t1 d n 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]s 7p>ticul>ly l[- &              
mod]ate-income individuals71 civil      
rights gr\ps1 community gr\ps1 consum]  

advocates1 & ! ,consum] ,advisory ,bo>d 
ab\t ?is matt]4  7,b7 ,be/ practices &  
/rategies ,! ,(fice %all id5tify be/    
practices & develop & implem5t /rategies
 to increase ! p>ticipation ( "u-bank$1 
un-bank$1 & und]s]v$ consum]s 9 ! bank+ 
sy/em4  7,c7 ,f9ancial education ,!     
,(fice %all id5tify & develop /rategies 
to increase f9ancial education to       
"u-bank$1 un-bank$1 & und]s]v$ consum]s4
  7,d7 ,report  7i7 ,9 g5]al ,! ,(fice  
%all submit a report to ,congress1 )9   
two ye>s ( ! e/abli%m5t ( ! ,(fice & e  
#b ye>s !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$1 un-bank$1 &    
und]s]v$ consum]s ) depository          
in/itutions1 & conta9s regulatory &     
legislative recomm5dations to promote   
bett] p>ticipation = all consum]s ) !   

bank+ sy/em4  7ii7 ,tim+ ( report ,to ! 
ext5t possible1 ! ,(fice %all submit ea*
 report requir$ "u clause 7i7 dur+ a ye>
 9 :i* ! ,f$]al ,deposit ,insurance     
,corporation does n issue ! report on   
enc\rag+ use ( depository in/itutions by
 ! unbank$ requir$ "u section #di ( !   
,f$]al ,deposit ,insurance ,act4  7#c7  
,use ( all available in=mation ,!       
,bureau & ! ,(fice1 9 c>ry+ out ?is     
subsection1 & ea* ,f$]al ag5cy specifi$ 
"u p>agraph 7#a77;,b71 9 coord9at+ ) !  
,bureau1 %all use all available data    
s\rces :5 rese>*+ p>ticipation (        
"u-bank$1 un-bank$1 & und]s]v$ consum]s 
9 ! bank+ sy/em4  4