This bill directs the Consumer Financial Protection Bureau's Office of Community Affairs to identify why some people and households lack banking relationships and develop solutions to increase their participation in the banking system. The legislation affects unbanked, underbanked, and underserved consumers, particularly low- and moderate-income individuals and traditionally marginalized communities. The Office of Community Affairs must coordinate research with banks, community organizations, civil rights groups, and consumer advocates to understand barriers to banking access and identify strategies to improve financial education for these populations. The bill requires the bureau to submit reports to Congress every two years beginning within two years of enactment, detailing obstacles to banking participation and recommending ways to promote broader access to depository institutions. There is no specific funding amount allocated in the legislation, though the reporting requirement continues indefinitely.