; and (2) a fee, in such amount as is determined appropriate by the Secretary of the Treasury for purposes of offsetting the costs of carrying out this subtitle and the amendments made by this subtitle, to be assessed on any financial institution that has total consolidated assets of more than $50,000,000,000. L Financial Inclusion in Banking 31201. Short title This subtitle may be cited as the Financial Inclusion in Banking Act of 2020 . 31202. Office of Community Affairs duties with respect to under-banked, un-banked, and underserved consumers Section 1013(b)(2) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5493(b)(2) ) is amended— (1) by striking The Director shall establish a unit and inserting the following: (A) In general The Director shall establish a unit to be known as the Office of Community Affairs ; and (2) by adding at the end the following: (B) Duties related to under-banked, un-banked, and underserved consumers (i) In general The Office of Community Affairs shall— (I) lead coordination of research to identify any causes and challenges contributing to the decision of individuals who, and households that, do not initiate or maintain on-going and sustainable relationships with depository institutions, including consulting with trade associations representing depository institutions, trade associations representing minority depository institutions, organizations representing the interests of traditionally underserved consumers and communities, organizations representing the interests of consumers (particularly low- and moderate-income individuals), civil rights groups, community groups, consumer advocates, and the Consumer Advisory Board about this matter; (II) identify subject matter experts within the Bureau to work on the issues identified under subclause (I)