Whereas, according to the report entitled Economic Well-Being of U.S. Households in 2022 by the Board of Governors of the Federal Reserve System, self-reported financial well-being fell sharply and was among the lowest observed since 2016; Whereas, according to the 2021 Federal Deposit Insurance Corporation National Survey of Unbanked and Underbanked Households— (1) approximately 4.5 percent of households, representing 5,900,000 households in the United States, are unbanked and, therefore, have limited or no access to savings, lending, and other basic financial services; and (2) an estimated 14.1 percent of households, representing 18,700,000 households in the United States, are underbanked; Whereas, according to a report entitled Financial Capability of Adults with Disabilities by the National Disability Institute and the Financial Industry Regulatory Authority, people with disabilities were more likely to struggle with the key components of financial capability, which are making ends meet, planning ahead, managing financial products, and financial knowledge and decisionmaking, and could benefit from targeted financial education; Whereas, according to the statistical release of the Federal Reserve Bank of New York for the fourth quarter of 2023 entitled Household Debt and Credit Report — (1) outstanding household debt in the United States has increased by $3,350,000,000,000 since the end of 2019; (2) outstanding student loan balances have increased steadily during the last decade to nearly $1,600,000,000,000; and (3) delinquency rates increased for all debt types except student loans; Whereas the 2023 Employer Survey of the Employee Benefits Research Institute reported that financial wellness benefits, including broad-based financial education, are a tool to improve worker satisfaction and productivity