Whereas, according to the Federal Deposit Insurance Corporation (referred to in this preamble as the FDIC ), at least 26.9 percent of households in the United States, or nearly 33,500,000 households with approximately 66,700,000 adults, are unbanked or underbanked and therefore have not had an opportunity to access savings, lending, and other basic financial services; Whereas, according to the FDIC, approximately 30 percent of banks reported in 2011 that consumers lacked an understanding of the financial products and services banks offered; Whereas, according to the 2017 Consumer Financial Literacy Survey final report of the National Foundation for Credit Counseling— (1) 80 percent of adults in the United States acknowledged that they could benefit from additional advice and answers to everyday financial questions from a professional; (2) 39 percent of households in the United States reported carrying credit card debt from month to month; (3) only 40 percent of adults in the United States maintain a budget; (4) 25 percent of adults in the United States do not have any money saved for retirement; and (5) 16 percent of adults in the United States identified not having enough rainy day savings for an emergency, and 18 percent of adults in the United States identified not having enough money set aside for retirement, as the most worrisome area of personal finance; Whereas the 2017 Retirement Confidence Survey conducted by the Employee Benefit Research Institute found that 73 percent of workers are not currently saving for retirement; Whereas, according to the statistical release of the Board of Governors of the Federal Reserve System for the fourth quarter of 2017 entitled Financial Accounts of the United States: Flow of Funds, Balance Sheets, and Integrated Macroeconomic Accounts , outstanding household debt in the United States was $15,660,000,000,000 at the end of the fourth quarter of 2017