Whereas according to the Federal Deposit Insurance Corporation (referred hereinafter as the FDIC ), at least 27.7 percent of households in the United States, or nearly 34,400,000 households with approximately 67,600,000 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 2016 Consumer Financial Literacy Survey final report of the National Foundation for Credit Counseling— (1) approximately 44 percent of adults in the United States gave themselves a grade of C , D , or F on their knowledge of personal finance; (2) 75 percent of adults in the United States acknowledged that they could benefit from additional advice and answers to everyday financial questions from a professional; (3) 22 percent of adults in the United States admitted to not paying bills on time; (4) 1 in 3 households reported carrying credit card debt from month-to-month; (5) only 40 percent of adults in the United States reported keeping close track of their spending, a percentage that held steady since 2007; and (6) 14 percent of adults in the United States identified not having enough rainy day savings for an emergency, and 15 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 2016 Retirement Confidence Survey conducted by the Employee Benefit Research Institute found that 19 percent of workers were not at all confident that they had enough money to retire