; Whereas unbanked rates were higher among lower income households, less-educated households, Black households, Hispanic households, working-age households with a disability, and single-mother households; and Whereas Federal Reserve Chair Jerome Powell testified before the House Financial Services Committee on March 8, 2023, that cash is absolutely critical because there are people who don’t have credit cards and that when stores are not dealing with people who don’t have credit cards, it’s a serious problem : Now, therefore, be it