; and (3) an estimate of the cost needed— (A) to implement the amendments made by section 3; and (B) for each Federal agency that is a member of the Commission to make financial literacy and education resources of the agency available to the public in each of the 8 most commonly spoken languages in the United States, as determined by the Bureau of the Census. 5. Annual report on financial literacy Section 514(h)(2) of the Financial Literacy and Education Improvement Act ( 20 U.S.C. 9703(h)(2) ) is amended— (1) in subparagraph (I), by striking and at the end; (2) by redesignating subparagraph (J) as subparagraph (O); and (3) by inserting after subparagraph (I) the following: (J) a summary of the Commission’s efforts over the previous year to increase financial literacy across all member agencies of the Commission; (K) an analysis of where there are financial literacy needs across different groups, including information by age group, socioeconomic status, race, ethnicity, and language preference; (L) an analysis of limited access to credit and disparate credit scoring across different groups, including information by age group, gender, sexual orientation, socioeconomic status, race, ethnicity, and language preference; (M) an explanation of how a lack of financial literacy, systemic barriers, and other obstacles result in a wealth gap across different groups, including information by age group, gender, sexual orientation, socioeconomic status, race, ethnicity, and language preference; (N) proposals and potential policy solutions for addressing barriers to financial literacy, disparate credit scoring, and the wealth gap; and .