; and (B) lead coordination between the appropriate Federal banking agencies, the National Credit Union Administration, and State banking supervisors on this matter to ensure the most efficient and effective use of governmental resources. (2) Duties (A) Research The Office shall conduct 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 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. (B) Best practices and strategies The Office shall identify best practices and develop and implement strategies to increase the participation of under-banked, un-banked, and underserved consumers in the banking system. (C) Financial education The Office shall identify and develop strategies to increase financial education to under-banked, un-banked, and underserved consumers. (D) Report (i) In general The Office shall submit a report to Congress, within two years of the establishment of the Office and every 2 years thereafter, that identifies any factors impeding the ability to, or limiting the option for, individuals or households to have access to on-going and sustainable relationships with depository institutions to meet their financial needs, discusses any regulatory, legal, or structural barriers to enhancing participation of under-banked, un-banked, and underserved consumers with depository institutions, and contains regulatory and legislative recommendations to promote better participation for all consumers with the banking system. (ii) Timing of report To the extent possible, the Office shall submit each report