,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #djfg  ,,in ,,the ,,house ,,of  
,,representatives  ,july #be1 #bjai,mr4 
,david ,scott of ,georgia 7for himself  
and ,mr4 ,duffy7 introduced the         
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,consumer      
,financial ,protection ,act of #bjaj to 
direct the ,office of ,community        
,affairs to identify causes leading to1 
and solutions for1 under-banked1        
un-banked1 and underserved consumers1   
and for other purposes4  #a4 ,short     
title ,this ,act may be cited as the    
,financial ,inclusion in ,banking ,act  
of #bjai4  #b4 ,office of ,community    
,affairs duties with respect to         
under-banked1 un-banked1 and underserved
 consumers ,section #ajac7;b77#b7 of the
 ,consumer ,financial ,protection ,act  
of #bjaj 7#ab ,u4,s4,c4 #edic7;b77#b77  
is amended--  7#a7 by striking ,the     
,director shall establish a unit and    
inserting the following3  7,a7 ,in      

general ,the ,director shall establish a
 unit to be known as the ,office of     
,community ,affairs  2 and  7#b7 by     
adding at the end the following3  7,b7  
,duties related to under-banked1        
un-banked1 and underserved consumers    
7i7 ,in general ,the ,office of         
,community ,affairs shall--  7,i7 lead  
coordination of research to identify any
 causes and challenges contributing to  
the decision of individuals who1 and    
households that1 do not initiate or     
maintain on-going and sustainable       
relationships with depository           
institutions1 including consulting with 
trade associations representing minority
 depository institutions1 organizations 
representing the interests of           
traditionally underserved consumers and 
communities1 organizations representing 
the interests of consumers 7particularly
 low- and moderate-income individuals71 
civil rights groups1 community groups1  
consumer advocates1 and the ,consumer   
,advisory ,board about this matter2     

7,,ii7 identify subject matter experts  
within the ,bureau to work on the issues
 identified under subclause 7,i72       
7,,iii7 lead coordination efforts       
between other ,federal departments and  
agencies to better assess the reasons   
for the lack of1 and help increase the  
participation of1 under-banked1         
un-banked1 and underserved consumers in 
the banking system2 and  7,,iv7 shall   
identify and develop strategies to      
increase financial education to         
under-banked1 un-banked1 and underserved
 consumers4  7ii7 ,coordination with    
other ,bureau offices ,in carrying out  
this paragraph1 the ,office of          
,community ,affairs shall consult with  
and coordinate with the research unit   
established under subsection 7b77#a7 and
 such other offices of the ,bureau as   
the ,director may determine appropriate4
  7iii7 ,reporting  7,i7 ,in general    
,the ,office of ,community ,affairs     
shall submit a report to ,congress1     
within two years of the date of         

enactment of this subparagraph and every
 #b years thereafter1 that identifies   
any factors impeding the ability to1 or 
limiting the option for1 individuals or 
households to have access to fair1      
on-going1 and sustainable relationships 
with depository institutions to meet    
their financial needs1 discusses any    
regulatory1 legal1 or structural        
barriers to enhancing participation of  
under-banked1 un-banked1 and underserved
 consumers with depository institutions1
 and contains recommendations to promote
 better participation for all consumers 
with the banking system4  7,,ii7 ,timing
 of report ,to the extent possible1 the 
,office shall submit each report        
required under subclause 7,i7 during a  
year in which the ,federal ,deposit     
,insurance ,corporation does not issue  
the report on encouraging use of        
depository institutions by the unbanked 
required under section #di of the       
,federal ,deposit ,insurance ,act4  4