; and (3) by adding at the end the following: (j) Language access to Federal agency information The Commission shall coordinate and promote efforts of Federal agencies to make all financial literacy and education resources of Federal agencies available in each of the 8 most commonly spoken languages in the United States, as determined by the Bureau of the Census. . (b) Application The provisions of law added by this section shall apply after the end of the 1-year period beginning on the date of enactment of this Act. 4. Policy recommendations Not later than the end of the 12-month period beginning on the date of enactment of this Act, the Financial Literacy and Education Commission shall issue a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate containing— (1) legislative and regulatory recommendations on how to address barriers to financial inclusion caused by language barriers, including financial literacy education and training and the role that emerging technology and financial products play in helping or harming communities with limited English proficiency; (2) a summary of— (A) the actions taken by the Commission to implement the amendments made by section 3; and (B) any actions taken by individual Federal agencies that are members 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; and (3) an estimate of the cost needed— (A) to implement the amendments made by section 3