,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #djfg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #be1 #bjai,mr4  
,david ,scott ( ,georgia 7= himself &   
,mr4 ,duffy7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,consum] ,f9ancial ,protection ,act ( 
#bjaj to direct ! ,(fice ( ,community   
,affairs to id5tify causes lead+ to1 &  
solutions =1 "u-bank$1 un-bank$1 &      
und]s]v$ consum]s1 & = o!r purposes4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,f9ancial ,inclusion 9 ,bank+ ,act (  
#bjai4  #b4 ,(fice ( ,community ,affairs
 duties ) respect to "u-bank$1 un-bank$1
 & und]s]v$ consum]s ,section           
#ajac7;b77#b7 ( ! ,consum] ,f9ancial    
,protection ,act ( #bjaj 7#ab ,u4,s4,c4 
#edic7;b77#b77 is am5d$--  7#a7 by /rik+
 ,! ,director %all e/abli% a unit &     
ins]t+ ! foll[+3  7,a7 ,9 g5]al ,!      
,director %all e/abli% a unit to be kn[n
 z ! ,(fice ( ,community ,affairs  2 &  
7#b7 by add+ at ! end ! foll[+3  7,b7   

,duties relat$ to "u-bank$1 un-bank$1 & 
und]s]v$ consum]s  7i7 ,9 g5]al ,!      
,(fice ( ,community ,affairs %all--     
7,i7 lead coord9ation ( 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]2  7,,ii7 id5tify subject 
matt] exp]ts )9 ! ,bureau to "w on !    
issues id5tifi$ "u subclause 7,i72      
7,,iii7 lead coord9ation ef=ts betwe5   
o!r ,f$]al dep>tm5ts & ag5cies 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,,iv7 %all id5tify & develop 
/rategies to increase f9ancial education
 to "u-bank$1 un-bank$1 & und]s]v$      
consum]s4  7ii7 ,coord9ation ) o!r      
,bureau (fices ,9 c>ry+ out ?is         
p>agraph1 ! ,(fice ( ,community ,affairs
 %all consult ) & coord9ate ) ! rese>*  
unit e/abli%$ "u subsection 7b77#a7 &   
su* o!r (fices ( ! ,bureau z ! ,director
 may det]m9e appropriate4  7iii7        
,report+  7,i7 ,9 g5]al ,! ,(fice (     
,community ,affairs %all submit a report
 to ,congress1 )9 two ye>s ( ! date (   
enactm5t ( ?is subp>agraph & e #b ye>s  
!reaft]1 t id5tifies any factors imp$+ !
 ability to1 or limit+ ! option =1      
individuals or h\seholds to h access to 
fair1 on-go+1 & su/a9able relation%ips )
 depository in/itutions to meet _!      
f9ancial ne$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 recomm5dations to

 promote bett] p>ticipation = all       
consum]s ) ! bank+ sy/em4  7,,ii7 ,tim+ 
( report ,to ! ext5t possible1 ! ,(fice 
%all submit ea* report requir$ "u       
subclause 7,i7 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  4