1. Short title This Act may be cited as the Improving Access to Traditional Banking Act of 2019 . 2. Office for Under-Banked, Un-Banked, and Underserved Consumers Section 1013 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5493 ) is amended by adding at the end the following: (i) Office for Under-Banked, Un-Banked, and Underserved Consumers (1) Establishment Before the end of the 90-day period beginning on the date of the enactment of the subsection, the Bureau shall— (A) establish an Office for Under-Banked, Un-Banked, and Underserved Consumers (hereinafter referred to as the Office ), the functions of which shall include activities designed to better assess the reasons for the lack of, and help increase the participation of, under-banked, un-banked, and underserved consumers in the banking system